I think the reason why you are offended is because the many other sites are cheaper and offer you more "stuff". Basically, this is the only site where you can access your transunion/ equifax credit scores. These are the scores that most lenders use when deciding to extend you credit. All the other "facos" mean nothing! That's why they are cheaper. You will usually find them to be drastically different from your FICO score...in my case they are exaggerated. I'm glad I found this site before I applied for credit. You have to know the product to appreciate it...In this case, you get what you pay for!