Every expense was spared to give the impression that no expense had been spared. It's a credit report site; they want you to think they are secure.
Credit card forms are sometimes used that way too, they get a lot of extra information because if they don't, people feel that they're scammy.
I can't imagine coming up with your own clever hacked-together bogus CAPTCHA would be simpler than that. So they actually did it the hard way?