Constant "garbage mail" in the mailbox! Just random. Had to change my home phone numder due to random calls about getting a credit card. No matter how many times you say "NO". they call back. Even told the representative to have them stop calling us. Didn't work! Still got those damned calls. Thankfully they stopped when I unlisted my changed phone number! remember, do not apply with them the first time, they get you're home phone #, they'll harass you 5-10 times a WEEK. read full review »