I had to get a credit report in order for my daughter to rent an apartment in Miami Beach, FL. I tried the 3 above mentioned companies to get this report online: Credit Diagnosis, Privacy Matters, and PM Identity. They all first required my credit card number before any information was exchanged, which I did online. Because I live in New Zealand, with a New Zealand address, none of the companies could get me a credit report. Much to my shock, all 3 companies have directly taken out 30.95 for doing absolutely nothing for the past 3 months!!! I am currently going through a billing dispute but in the meantime, they are continually taking money out of my credit card. This is unbelievable! What can I do?