What you may not realize is that when you join you are automatically enrolled in a credit monitoring program at $14.95 a month unless you cancel the subscription within seven days.

BBB (the better business bureau) has received more than ten thousand complains.

To get a genuinely free credit report go here. You can check your credit once a year freely from each of the three credit companies. Since you get a free report only once a year it is best to get one now, and one every four months from the other credit rating companies:

• Equifax
• Experian
• TransUnion.

From the anual credit report site:

Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

The site has a great informative FAQ (frequently asked questions) here.

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