I tried today to sign up for the free trial and the $15 month service. I could not get thru. It showed up on my account and email but all I really wanted was my FICO and updates. I recently paid off about 18K in debt. I just wanted to monitor my score for the next few months but this service is not as advertised. I found out I can get the same thing via my Citi Card (now no balance) for half of this amount.