Hi James, ScoreSense is a product that gives you all 3 credit reports (Experian, Equifax and TransUnion) and all 3 credit scores each month. We also offer daily credit monitoring which alerts you to any reported new accounts, hard inquiries and more, which helps you protect your credit. Included in our product is up to $1million in Identity Theft Insurance. Our product carries a 7 day trial after which you are automatically billed each month until you cancel. Cancellation is easy by calling our Customer Care, or via online chat. Please see www.scoresense.com for more information on what we provide.