I asked for a free credit report of being declined for credit and then notices a charge for $1.06 and an additional charge of $15.88. I never agreed to such charges and can not afford a repetative charge. This has already caused an nfs charge to my bank account. I need something done as soon as possible. No where on the web site said there was a monthly charge or trial period. By law you are entitled to a free credit report in a year after denial of credit.