I just canceled my membership. I originally go it while going through a debt payoff blitz, and kept it to keep an eye on my score as the debts dropped off. Fast forward a few years... I got an email from them saying their rate was going up from $12.95 to $19.95/mo. That made me realize that I haven't logged in there for a couple of years, it only covers me not my wife, and our bank offers a similar service that would be $12.95 for us both (FCR would be $40 for us both). I called them to cancel the membership and the next (well-rehearsed) words out of the agent's mouth were; "Are you canceling because of the rate increase, because we are willing to put your rate down to $8 a month, and we also offer...." I sense an exodus. Almost doubling the cost of a service will do that.