It sounds to me like they'll give you free credit monitoring, UNLESS YOU ALREADY HAD CREDIT MONITORING, then they'll give you $125. Most people don't have credit monitoring, I think. Personally, I've found the free credit monitoring that they gave me pretty useless. I get an email regularly telling me my score changed. I have to go log in and find out I went up 2 points because of an algorithm change. Thanks for looking out, Equifax! Then I go to a dealer and they pull my credit and it's dramatically higher than what Equifax has been telling me. The whole system seems silly to me.