Company is legit. It does provide a comprehensive credit history and is able to explain a) what the numbers actually mean, and b) how to improve them if desired. Cancelling the subscription required a phone call (no website option), but that was done in less than 10 minutes. All I needed to do was call up, explain I wanted to cancel, listen to two additional offers and that was it. So long as you are polite but firm, canceling is really easy.