They are extremely shady. They have advertisements of "earn this by referring somebody to install the app & sign up, or enrolling in credit monitoring" and then it ends up not working after the initial amount (probably because they don't want to payout anymore) and the customer service for anything that isn't regulated (loans, CC, etc) is a joke Twitter account that violates privacy by asking for referrals info but then responds with "I can't talk about their account". Bad.