called to say that I was preselected for a lower interest rate.  Claimed to be from Experien and had all the information about my credit history and how much my balances were. Gave him husbands full name an birthdate and then he said he needed more information.  When I showed doubt that this was legit he said it was ok because he didn't ask any private information.  I hung up and he called be back and was more pushy.  Don't let this happen to you.