I obtained my credit report from Experian and in order to get my credit score, I paid {$1.00} to Experian. When I put in my credit card information, below that section, there was in small writing, a paragraph that stated my credit card would be charged a monthly amount for credit fraud protection unless I lived in New York, where credit reporting companies are prohibited from imposing such an automatic credit charge. I live in New York and the address I included for the credit card payment was my XXXX, New York address. I was charged the {$1.00} the day I received my credit score and then just today XXXX a couple weeks later ) a pending charge on the same credit card for {$23.00} showed up from Experian. I do not know what the charge is for, probably credit fraud protection, but I did not approve it and did not think Experian could charge me for it legally, as I am a resident of New York.