<prompt> Human: I thought the idea of the site was pretty good. Track my credit score and a place to keep tabs on all my loans at once.But seeing commercials on TV makes me wonder how they really can make THAT much money enough to afford a commercial? by just advertising to me.Are directed ads like theirs more profitable for them? Am I actually leading myself to ruin by using it?  <response>: Well, apparently their directed ads are making enough money or at least getting them enough investors to buy commercials. I assure you theyre not doing it by stealing your identity or anything else illegal. 