they called my cell again today and I answered it. It was "Ray" from Consumer Network...something about the 3 reporting credit bureaus, lower interest rates on credit card debt....etc....yada yada...told him I wasn't interested...we'll see if they keep calling.
they have called my husband's and my cell phone several times a day for almost a week. when you try to call back it's "disconnected" nobody answers....caller id says "east san francisco bay area"...when i looked online, I have found that prefix is "san ramon, ca" and also found "dublin, ca" they never leave a message