UPDATE: BE SURE TO READ THE COMMENTS, AS THERE HAS BEEN A LOT OF USEFUL AND INTERESTING INFORMATION POSTED THERE. Today I received my CC Bill and noticed a charge from Experian (which is a credit reporting agency). I have never signed up for anything from Experian, nor have I authorized them to make any charges to my credit card. The charge was for $19.95 and listed a number of 877-297-7790.