The same happened with me too. Its in fact $12.95. I called both my bank and free credit. Bank has nothing to do with this. Problem is with freecreditreport.com. There is written in the website that if you didnt cancel the membership within a month, then they gonna charge you 12.95 every month. I was so pissed off and shouted at them. They didnt listen to me and repeatedly telling me that there is message on website and I should have aware of it. These people are suckers.

So guys, never use freecreditreport.com to check your credit score. They just ask you for a dollar initially and you probably think its a good deal. But, there will be message hidden somewhere which your eyes obviously can't catch and they keep charging you 12.95 every month. Thank god I checked my statement, which I often dont, and found this wierd transaction. Be careful. Even if you use this site. Just make sure you call them to cancel your membership instantly. You know what, you guys rather dont use this at all. They might have something else written in TERMS and CONDITIONS or somewhere in website. And they will rip you off complately. And guys! Please check your bank statements everytime. I have found couple of times that I was charged twice for the same item. Be careful.