I applied for my advertized free credit report in October of 2007 and was unwittingly charged for a monthly fee of $12.95 because I missed the fine print that explains that that is what automatically happens if I don't cancel within 30 days of filling out the application for my free annual report. I just discovered that my checking is now short by $10.07 due to an unexpected withdrawal by "Triple Advantage 877-4816825 CA". I feel cheated and stupid.