Just got a call from them. Apparently its a spam caller advertising that they can lower interest rates. seems to be a third party not directly related to any major credit company.
Anyone who wants these calls to stop, they won't. The technology we have now, allows someone to create any phone number they want with any caller ID they want. Setup your voicemail to say the following: "Hello, I screen all of my calls, please leave me a message and I will return your call as soon as possible." Don't tell them your name. If they leave no voicemail just assume its a scammer. If you are job hunting or the same number continues to call you, answer the call. If there is a number that keeps calling you and you know it's a telemarketer, some phones and phone companies allow you to block numbers. Also give this information to your grandparents, parents, and children! Hope this helps you to put these idiots out of business.