Honestly, I don't think most of you understand how credit works. From what I've experienced freescore.com has provided exactly what they said they would provide. My problem with them however is that they cancelled my membership and say that I called on 01/07/2015 to cancel it. I've never paid late because it's on auto pay to a credit card that has plenty of available credit on it. I never called. I've been a member for several years, I think I joined in 2010 or so. The only time I ever had to call the company is when I originally set up my account back in 2010... so how did I call in 01/2015 to cancel? Aren't they supposed to keep a secure eye on my identity? If so did someone else call to cancel their account and somehow end up canceling mine? I don't know what happened but they seem to not want me to reinstate my account because I have already called twice in the last month to have them reinstate it and I get told they will have a manager call me... and nobody has called.