It's a scam! When we noticed someone was stealing my mail and reported it to the police I was adviced to get a free report from Trans Union. Trans Union asks to agree to a $1 free report, but automaticly they charge $19.95 per month. When you call to cancel, they take your info but don't cancel. It took a couple of months to receive an email of the cancellation. You can't reach them by email to cancel the subscription, you can only talk to a live agent. They will tell you they will cancel but next month you will get billed again. Legislature has to change if this is the company that we need to trust.