ScrapKits

For either commercial or personal use: This author provides both commercial and personal use (Freebies).
http://created-by-jill.blogspot.com/search/label/FREEBIES

For commercial:

1. http://picsfordesign.com/catalogue/sort/date/auth/verymany.pix
2. http://wilma4ever.com/index.php?main_page=terms_of_use&tousId=29
3. http://www.scrapsandthecity.com/index.php?main_page=privacy&zenid=02610bp3le29fs6qdtg4b8bj67
4. http://www.cdoestore.com/index.php?p=product&id=22959&parent=53

For Freebies:
The list is organised and shown at this links and these designers also sell their commercial kits at different online-shops.
http://1979lavanda.blogspot.com/2011/11/kits-for-photoshops.html