One day I noticed a charge on my bank account that said "CIC * TripleAdvantage" for $14.95. I was actually charged twice because I went on a retreat when this happened and did not have access to the internet for a while. Clearly, I did not want credit monitoring, and I had no memory of signing up or somehow applying to a kind of membership.
Then I did some research and found that I was not the only one who had fallen for this TripleAdvantage scam. It was a one-time free-credit-report deal that had really fine print lined all along it. Obviously as a young college student, I was curious as to what my credit score was and had gone to FreeCreditReport.com to view my credit score. What I didn't know is that there was a hidden membership for the use of the supposedly free, one-time application.
Not only when I had learned that I had been fooled and tried to ask for a refund it was troublesome, but also they lie about their policies and say that no refund is possible. However, their policy is is that a refund is true, so in the end it worked out. Do not try this free-credit report site!