I've never cared for those free credit report dot com ads with the slacker musicians. Firstly because they imply that anyone performing local music must be an unemployable leech on Our Great American Way of Life. Mostly I dislike them because the music sucks and they get so much airplay. Thank goodness for the mute button.
Now there's a better reason to dislike them. They're a bunch of lying hucksters as this New York Times piece points out.