The old "We have been monitoring your credit history" scam, promising to save me THOUSANDS on credit card debt.  Funny, how could the save me $$ on credit card debt if I do not maintain unpaid balance on my credit card?  This being the case why would they call someone pays off the card balance very month?  Guess their "monitoring" efforts are performed by social justice warriors.  I swear! These SCUMBAGS change phone numbers at least twice a week. This time the caller ID showed the return number as Lunga Evers & J.  Sounds like a lawn cutting business!  But this time I picked up, followed the prompts until I got a human voice on the other end and I suggested he perform a biological impossibility upon himself, then hung up.  Another call to the caller reject list!