Thia company is sneaky and underhanded. Sign up for 1.oo credit report when filling out loan app and within 3 days They charged 39.99 to my acct. Tried to get a refund the same day and they put it in for review. Same dag charge went on. I should receive a refund. Don't use this company. Spoke with customer service via online chat because you cant get thru on the phone line. He was helpful but still could not guarantee a refund. Will be notifying my bank about this charge also. What a scam they have going. Be careful.