They get your information from lowermybills.com and call and try to earn your business. They first have someone open you up telling you they work directly with the credit bureaus and the way they get you the best loan possible is they can do a credit score exception. Its a bunch of bull. They try to be so smooth that you dont care they are ripping you off with over $2800 in junk fee's. Dont fall for it they tell you to not let anyone pull your credit cause it drops your scores but the real reason they say that is so you wont talk to... read full review »