Yes they are. I don't have issues with bands playing advertising music. But if the policies of the entity are as Dave says, then the product is all wrong.
But I'm wary of anything that claims to be free ("Land of the Free" excepted of course!). Anything that is advertised as free really can't be. As investment bankers used to say (remeber them?): There is absolutely no free lunch.
The Fair Credit Reporting Act (2004) requires the three major credit bureaus to each offer consumers a free copy of their credit report, once a year. That's at
Annualcreditreport.com and it's really free. You can find out about it from the
FTC, but (surprise!) the credit bureaus don't advertise it.
One of the big three, Experian, then opened the two other sites. They apparently think that it's good marketing practice to deceive some people into thinking their site is the free site. As a result of misleading people, Experian has had to settle FTC complaints at least twice, as well as complaints by some state governments.
FTC Finally Forces FreeCreditReport.com To Be Honest In Its Advertising
