Complaint / review text:
The same amount they charge you for (the $39.99 combined credit report AND/OR the $19.99 monitoring) are scams and you can get the same information for free through so many other avenues. Also, once you sign up there are all sorts of hidden fees and MASSIVE reoccurring fees and once they have your debit card or bank account information it is nearly IMPOSSIBLE to get your money back or stop the scam payments. DON'T DO IT! Go through credit karma or annual credit report.com.