Real free credit report. Cancel in less than 7 days

A month ago, I went on line to get a free credit report from all 3 bureaus. At one point, I was over whelmed & gave my debit card number & I can't remember what it was for. I then receive some message that my results would be e-mailed to me within 24 hours & I never got anything. Then I was able to get all the reports for free afterall. On my bank statement I have a $10.00 charge from that day & the transaction says "Experian Scorecard" & there is a phone number, but it is disconnected. I have called Experian, Free Credit Report.Com, Annual Credit Report, Consumer Info & probably others I can't remember, all of which tell me, the charge did not come from them. I am not so worried about $10.00, but about it being something I joined in error & this charge coming out again on a monthly basis.
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file a dispute with your bank to take the money back or stop any further payments and you will get the right number
most of these free reports and three scores come with a 9.95 a month is you do not cancel in 7 to 30 days or something like that
I had a microsoft charge for 24.95 per monh that i could not cancel even after getting the right number and calling the right people i thought.
finally i went to my bank or called my credit card company and said stop any more charges from that place. It worked. i usually use the company on my site and cancel before 7 days. it works.
i checked mine and my wifes today in fact for a car 800 wife 727 me
i felt really good today an didnt even need to prove my income with my local credit union.
i have ALOT of debt.
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Thank you!