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Free Credit Report Guy - The spokesperson/singer for the Free Credit Dot Com service played by Eric Violette.

Free Credit Report Guy

In the commercials, an unnamed baby-faced guitarist backed by a drummer and a bass guitar player sings about how lousy credit scores have ruined his life and, consequently denied him access to good jobs, homes, and nice things like a car or decent portable telephone.

Because of his bad credit rating, he has been forced to drive a used subcompat car (a Pinto), work in a tourist restaurant dressed as a pirate and work as a waiter in a rockstar party offering food and drinks to bikini clad babes who supposedly wouldn't give him a second look because of his bad credit record.

Another recurring character in the commericals is a white-haired little old lady from Pasadena type with a sour disposition. She is
played by Lucy Jackson of Ogdon, Utah. Some suspect that her character represents an identity thief, or someone looking to take advantage of your credit cards.

Free Credit Report Old Lady

FYI: There is nothing FREE about Free Credit Report dot com. As it say at the end of some of the commericals "Free credit score and report with enrollment in Triple Advantage (cost of $14.95).

The lead singer in the commercials is Eric Jean Violette. Born on June 12, 1981 in Montréal, Quebec, Eric Violette is a skilled singer and musician, but he speaks with and French accent and so he lip-synchs the songs.

The songs are actually performed by Dave Muhlenfeld, a senior copywriter at the Martin Agency (The guys responsible for the Geico Caveman) who created the commericals and writes and sings the lyrics for the songs on the commercials.


Lyrics to "Restaurant Pirate Commercial"

They say a man should always dress for the job he wants
So why am I dressed up like a pirate in this restaurant.
It's all because some hacker stole my identity.
Now I'm in here every evening serving chowder and iced tea.
Should have gone to (yeehaa!)
I could have seen this coming at me like an atom bomb.
They monitor your credit and send you email alerts.
So you don't end up selling fish to tourists in t-shirts.

Lyrics to "Shopping for A New Car Commercial:

Well I was shopping for a new car
Which one's me
A cool convertible or an SUV
Too bad I didn't know my credit was
Whack cause now I'm driving off the lot in a used subcompact
F-r-e-e that spells free
Credit report dot com baby
Saw their ads on my TV
Thought about going but was too lazy
Now instead of looking fly and rolling
Phat my legs are sticking to the vinyl
And my posse's getting laughed at
F-r-e-e that spells free
credit report dot com baby

Lyrics to "I Married My Dream Girl"

Well, I married my dream girl,
i married my dream girl
But she didn't tell me her credit was bad
So now instead of living in a pleasant suburb
We're living in the basement at her
mom and dad's
No we can't get a loan for a respectable
Home just because my girl defaulted on some old credit card
If we'd gone to free credit report dot com
I'd be a happy bachelor with a dog and a yard

Lyrics for the "Bike"

Check it out
Gas prices blowing up sky high
Ditched my use subcompact for a two wheel ride
Now i’m rollin eco-friendly
But i still look bad
When the bike store saw my credit
They said this was all they had
I’m singing
F to the
R to the
E to the
E to the
C to the
R to the
Re to the
Port to the
Dot to the
Come on everybody
Grab your bike and sing along
It’s easy
F to the
R to the

Lyrics to the "Renaissance Fair"

I was getting depressed, cause of all the stress
I was feeling at home
Had a poor credit score
And the number would haunt me wherever I go
But I moved to a place where my credit
Could stink and nobody would care
I just wish that somebody had told me
That place was a renaissance fair!
Free credit report dot com
Tell your friends, tell your dad, tell your mom
Never mind they’ve been singing our song
Since we first showed up with our pirate hats on
If you’re not into fake swordfights
Pointy slippers and green wool tights
Take a tip from a knight who knows free credit report dot com

Lyrics to "Rock Star"

When you're a rock star
You get to party hard
Champagne and caviar
Tricked out exotic cars
It's just now I thought I'd be
'Xcept the party's not for me
Cause some punk opened a credit card
With my ID
Free -- What?
Free Credit,
That's the site I'm gonna hit
When I go home
They know how credit works
They send email alerts
Now I'm findin out
How bad reality hurts

Lyrics to "Roller Coaster"

Buckle up everybody cause were taking a ride
It can strain your relationships and hurt your pride
It’s the credit roller coaster and as you can see it kinda bites
So sing the lyrics with me:
When your debt goes up, your score goes down,
When you pay a little off it goes the other way around
It’s just the same for everybody every boy and girl,
The credit roller coaster makes you wanna hurl.
So throw your hands in the air, and wave ‘em around
Like a wannabe frat boy trying to get down
Then bring em right back to where your laptops at.
Log on to, stat

Lyrics to "Cell Phone"

Wanted to get myself a new cell phone
So I could hear myself as a ringtone
Who knew the store would go
And check my credit score?
Now all they let me have is this dinosaur!
Hello hello hello, can anybody hear me?
I know I know I know, I should have gone to
That’s where I should have gone,
Could have got my knowledge on.

Lyrics to "Reno"

We were stuck in a basement apartment
Tiny rooms where the sun never blessed
So when we needed space for a family,
Set our sights on the wide, open, west.
Well I thought we’d see sierra vistas
And breathe air pure as new-fallen snow
But my poor credit score was a sinker (or stinker?),
Now we rent by the week in Reno.

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