I was told that if I pay $1.00 I get 1 mouth free member ship and a $25 Kmart gift card they charged me $14.95 for privacymatters I call to cancel but they said my account was no longer active . The frist charge was 10/06/05 the second one was 11/23/05 I had to pay the bank charges because I did not have that money in there. This is a ripoff and for me it start with me trying to get a free credit report.