call and report it to your police dept., these people have threatened others too. the threats are different then just breaking the do not call list, more criminal. Go to: http://www.helium.com/items/2169205-cardholde ... rs-need-to-know to find out about these scammers. they just keep calling .report them to the do not call list with their threats, maybe law inforcement would get involved.
Obviously not the case as my Credit score is over 800 and I don't use them that much and always pay them off.
They are cold calling, they wouldn't bother to pay for the data from a legit rating service. The govt does try to hunt guys like this down, they arrested the "Heather from Account Services" guys. It's just they don't have the resources .. too many other crooks out there. Not to mention low grade moron "instructors".