I received a free credit report. As part of this service, TransUnion automatically signed me up for their monthly credit monitoring service. The company does NOT ask you to subscribe. In fine print, it states that you are automatically enrolled and must cancel within 7 days not to be charged $17.95 per month. I tried canceling the first day. Well, I was NOT able to get through after holding for approximately 10 minutes. I'm busy with work and family, so I could not sit on the phone any longer. I forgot to call back afterwards, and was charged $17.95. NO REFUNDS. This is an absolute scam!!