I don't recall if we've discussed this already...

If you've ever heard of Lower My Bills dot kom, you should know that it is a company owned/operated by Experian... one of the thre credit reporting bureaus. Your FICO credit scores are generated by TransUnion, Experian, Equifax. Lower My Bills online helps people sometimes obtain lower interest rate loans for their current debts.
How?...By selling lists containing contact info for 1,000s of people who clicked on Lower My Bills.
Huge revenue for them.
Smart.