For the free credit bureau monitoring, we have a relationship with the credit bureau. Our clients can go onto our site and they can sign up for this service. Then when the credit bureau gets an inquiry on the client's account, what happens is they pass the information back to us, and then we ultimately send it on to the client to investigate.
We'll tell the client which merchant was inquiring on their credit bureau file, what type of hit it was, and when it was done. There is even contact information available for the merchant who was doing the inquiry.
In this particular case, we would be fronting for the credit bureau.