I have had the worst experience with these people. I paid for annual premium service and immediately i started getting charged $10.55 per month for some credit monitoring service that i never agreed to and never activated, and never used. A year later they are STILL charging me monthly! And i have submitted a support ticket and corresponded with someone and ALL they are willing to do to compensate for the $140+ they wrongfully took is refund me one payment of $10.55 and THATS IT. And they are still charging me monthly $10.55! I have to cancel my credit card and get a new one which is a pain in the butt because i have automatic payments on all my bills. I am SO furious at this company. They wrongfully took from me and wont give it back. I would think they would be willing to refund the money since i never used the service but they said "we have no way to activate it ourselves" in other words theyre saying yes i did activate it and therefor i shouldnt be refunded the money. But i never used it and more importantly i didnt activate it. Who would? $10.55 a month to monitor credit? Thats a very high price for something you can get free from the bank or many other places. Thats absurd. This is how they treat paying customers. Unbelievable.