I do not think it is a credit agency because I have no outstanding debt and
was in receipt of one of these letters. I suspect a timeshare or some other scam where you have to buy something to get the reward. I would encourage everyone to do what I have done. Throw it in the waste paper basket. Letters like this one are generally present with problems not prizes.
I live in NJ and received a letter as well. There was a # which I called, spoke to a live person whom told me of 2 offices to could visit, in Englishtown and Parsippany. She explained it was a travel agency, nothing to do with time shares, and they are trying to spread their business. All they ask is that I come into their "SHOWROOM" and take a tour and I'd be given 2 roundtrip airline tickets (certain restrictions apply). I've no reason to be the one to take a chance with this kinda crap, I'm perfectly happy using Expedia.