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This is not a ligit company... when i spoke with the customer service rep he explained to me that he could lower my credit card bills and I asked him which one he told me that he could lower any credit card bills i had... i asked him what the name of the company was and he said that it was a call center so i asked to speak to a supervisor and he said he was the f*****g supervisor so now what... he started using all kinds of profanity and said that he would not take me off of the call list because it doesnt apply to him... in fact i could go f*** myself... dont fall for thos scam... he told me if he wanted my credit card information he could get it any time he wanted and take my identity and charge my accounts and there wasnt a d*** thing i could do about it... oh and by the way good luck trying to locate where this call came from... yep sounds like a real business to me.