PMoore: Can you please post that XML file that Kara from ESRI provided you? I've tried the steps in the link you provided, per the suggestion of another post-er, but that didn't work for me. I'd like to try what Kara offered you. Thank you.
So if you hypothetically started with 1,000 credits and you only geocode to use credits, you could geocode 25,000 records.
This was what I had originally understood, but Esri support explained otherwise (the 1000 credits to geocode 40 records was straight from Esri support... Not that getting a dozen totally different responses from a dozen different techs is anything new).
I'm still testing alternatives, because we have no immediate plans (or money) for purchasing credits.