After filling out an application on lowermybills I was contacted by a "Dave De Corcey" He went over his SCRIPT stating his company worked directly with the credit bureaus and that they could adjust my scores. Seemed really fishy, so I let him continue to take it to his "Investor" after he called back his rate seemed really high I asked for a GFE. After receiving it I was shocked I had never seen fee's like this. Pardon my french but I was getting rapped $2800 in junk fees alone. PLEASE PLEASE PLEASE DONT BE FOOLED!!! There rates are not lower and there fee's are by far the highest. If they call you hang up and run!!! read full review »