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As far as selling info you can get for free, that's pretty much the same gimmick as the free credit report sites.
Anybody can contact the credit agencies and get a free copy of their credit reports once per year. Also, each time you're turned down for credit you can get another free copy of your report. They're just marketing it to people who don't realize they can get it for free.
Those people search sites are another example, and I'm sure there are plenty more.
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