I went to TrueCredit's site and read the terms of use and I'm no lawyer, but from what I interpret from the following section, they did not hold up to their end of the bargain, since there was no posting of the modification before the modification took effect.
This is directly from their policy under the "Term and Termination; Modification "
TrueCredit may (i) change the terms of this Agreement or the feature of the membership products, or (ii) change the Site, including eliminating or discontinuing any content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site and/or your membership after TrueCredit has notified you of a change in the Agreement you agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification.
