Who Approved This?

I don't know if this has been showing for a while or it just started when I came back, but freecreditreport.com has a new commercial. I'm somewhat a fan of some of their previous ones, but I've always had a beef against their lack of lip-syncing. I've looked over it before, but I can't now; I don't think they were even trying with this one. (especially around 20 seconds in)