I was charged $24.95 to my checking account 5 days after visiting their website. I filled out the application for review which is a free service but they have an additional offer just before you hit the send button. I selected "no", (made darn sure of it) and they still charged me. What a bunch of crap. Called them this morning and they said to wait 6 business days for the charge to be reversed. The clock is ticking!!!