I really did not see anything wrong with your site maybe you just need to get it out there more if people don't see it they can't join. If you are not making any money from your banners and adsense take them off. Get traffic first then put them back on but you need visitors first. I have so many problems trying to get real customers to the website as well. Best thing you can do is make sure your listed in the search engines then join forums about credit reports and become a good user, also you might even start a help forum about credit reports. Make sure you don't litter your site with these banners.
Well hope this helps