[stomachmonkey]

Have been a member for a couple of years now.

Completely free.

Works as advertised.

Their business model seems to be a clearing house for credit offers.

Meaning while you are in the dashboard they will show you offers for new cards, balance transfers, etc..

But they are presented in a non intrusive manner. You barely notice them. There UX is well done.

No hard sell "Wanna chat about offers?" popups.

They have some tools to show you how to lower you payments, generally tied to taking one of the offers but again nothing forced or intrusive.

I'd be hard pressed to remember the last time I got unsolicited email from them, ie; they are not spammy.