They call saying they are going to lower your interest rate. They are so sickening. When I try to get information about them they won't give it and just continue to their spiel. I asked for his company's website and told him I wanted to verify they were legitimate and he said he would give it after they qualify me. I know they are scammers, but I'm so tired of them and want to get some information on them. They ask for your credit card information and say it's safe to provide to them. I sure hope no one does that.