Scam. I worked 3 years to build my credit, applied for mortgage and my actual score was 100 points under the 2 CK scores. They sell your info, they consistently try to get u to take out loans and open new credit cards...I wonder why...almost like they benefit from it..I got one cc thru ck and it was a huge mistake. Tons of fees and now if I cancel my c. Score will plumet. This is thru and thru a scam. If u want to know ur score, pay for it or get it thru a legit credit agency. I'm speechless