Unreal. I wanted to check my credit score ONE TIME online. I put in all the required information and was prepared to pay the fee for a one time viewing. It turns out that I unknowingly signed up for a monthly monitoring program for $19.99 a month. I called for information regarding the numbers on the report and the lady was pretty useless. I understand that credit hits vary when you create an inquiry, like applying for a new credit card, but she couldn't even give me a ballpark answer for how many points could be deducted from my score for such a thing. She said it was up to the company?? Then, when I didn't notice a loan application from June on my report, she said that the creditor could have run my credit through Equifax, not Transunion, and that those credit checks don't show up on the Transunion report. So not only did I get swindled into signing up for a monthly fee (which I had to pay the first $19.99, then she cancelled it so hopefully I don't get charged again), but that monthly fee is only for potentially half a credit report!! Whatever happens through Equifax doesn't show up on a Transunion report, and vice versa. DON'T DO IT! Just try to limit credit checks as much as possible, you can't see everything on their reports anyway. What a rip-off, she did not freely offer this information either, I found out through serious questioning as she was not very forthcoming with info. STAY AWAY! read more