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Recorded sales against federal law, block them!
There is NO WAY a company, other than the credit co you signed up with, can reduce your interest rates. The only one that can reduce your interest rates is the company that you have your card with. I had worked too long for a credit card company and know this. If you consolidate your bills it will go against your credit score worse than if you claimed bankruptcy ( it will roughly 10 years instead of the 7 you would get with bankruptcy.
Scam. They'll just keep calling and calling. Don't believe a word they say. They'll tell you anything to get a card number over the phone. Last year it was a credit card service that cost $298 for 2 months. This year it was a bogus collections agency. If they say they work for Educare or Credit Card Services or tell you they are collecting a debt on behalf of one of those 2, hang up. 100% scammers looking for your card numbers and bank info.
Scammers trying to get credit card numbers
+1 916-758-8662