This a TOTAL Scam!!! I contacted my credit card company and they had NO information about this company that went by the name Credit Card Services 607-203-5517. They knew almost all of my credit card info: how much my balance is, my last payment amount and date of my payment, my address, my name, etc. They only needed the middle four numbers from my credit account (which I have immediately cancelled!). Further, the boss did call me back within the time that they told me 30-45 minutes, but it was sooner. They would drop my interest rate to 6.9% For Life, but they would charge me $940.00 in essence. The boss's # is 571-441-0088. They knew the information about 2 of my credit cards!!! My credit card company had NO information about this supposed company!!! Beware of this and notify your credit card companies!!!