This was a call for a phishing scam! Requesting remote access to one's computers after trying to convince them that the systems' event logs were viruses and trojans.

Hey my name is Ray I work for www.stalwartcredit.com I lower interest rates on credit cards I charge 10% of whatever I save you but only when I have done the work on you accounts and you are 100% happy
Call me

Ray Davis
1866-666-6600
Ray.davis@stalwartcredit.com

Hey I work for Stalwartcredit.com I also lower interest rates on credit cards give me a call I will help you and explain how these companies have your info

1866-666-6600

Hey sir my name is Ray I work for Stalwartcredit.com and obviously the bank is going to tell you not to do it cuz its in there benefit to keep you at high rates so they make as much money as possible from you feel free to contact me to discuss this further.

Thank You
Ray Davis
Ray.davis@stalwartcredit.com
1866-666-6600

If it is fraud do you honestly think they will take your number off of their call list?

go get em girl

get a new phone with new number or change your number thats the only way you can get them to stop calling

They scammed me and charged my credit card more than 900$. they gave me the first 4 digits of my card number and I knew later that these numbers are fixed from the bank. DO NOT GIVE THESE IDIOTS ANY INFORMATION AND REPORT THEM.

what do u mean by saving!!!they will take at least 700$ and save me just a bit.l0ol...so it's a scaaaaaaaaam..got it dud

wal3aaaaaaaaa ya eric ;))

I received the same call to lower interest rate. They had most of my information, but wanted the middle 8 digits of my credit card. I stupidly gave it. They told me what the balance was on the card and what my credit limit was. She gave me her phone number, extension, ID #, and name. They said my interest rate would be lowered to 6.99%, but that another representative would call me in 10-15 minutes to verify information. I immediately got on-line and found this site. I called my credit card company to cancel my account and have a new card sent. The credit card person said she had heard of this scam and that they did NOT contract with outside agencies to lower interest rates. ONLY they could do that.  Because they had so much information on me, I also had a temporary fraud alert put on my social.

It's definitely a company that is seeking for profit. Nobody would lower your interest rate without charging you for it, and of course if you have close accounts or you are maxed out on your cards, you wont be a good candidate. Do you all really think that you would get lower interest rates just for nothing?!

I did receive a call from these people, and the guy did ask me for my account number without having to imply that he already has it. although he did have my zip code, my name and obviously my phone number (thanks to white pages), i made sure not to reveal any security features for him.
he didn't for once had the intention to ask me about the cvv, which is the number on the back of my card that authorizes charging, and he sure did not ask for my social security number. at the time i had a balance of 35 grands on all my cards collectively, i had 5 cards and my credit line was somehow considerable, and my interest ranged from 17% up to 29.9%. i asked him how low can the new rate go downs too? he said that it differs from card to card, since each one was issued from a different bank and had different balances. He then asked me to expect a call back within like 40  minutes.

As i hang up the phone it felt weird for a while, but it took them like 15 minutes to call me back, the call was full of rules: what to do to keep the good interest rate (always make payments on time....), he then stated what the new rates will be and it ranged from 7% up to 12% which was awesome in reference to what i was paying before!!!!!!!!!!!!!!!! he then asked me if i was interested in the offer (of course he tried to persuade me, and this was his job, he actually gets paid for it!!!) and then as i was indeed interested he did ask me for 1 cvv out of 1 card and he said that he will charge me 700$ to do it... and i thought it was worth it. we closed the deal and within like 20 minutes every single bank of mine called to confirm that lower interest rate. and i could see it on my statement.


So Of course they would charge you to do it!!!!!!!!!!!! pooooor people with these kind of mentalities,
wonder how we managed to get ahead the panic of 1819!!!!!!!

I've been getting automated calls from this group for months. The message was intriguing - a government program to lower interest rates on cards.  With the economic meltdown (thank you Goldman Sachs/AIG), who knows what consumer programs are out there?  So I did want to check it out - or at least find out who the heck kept calling.  

Their telemarketing system was set up so you could not press the number (1) to talk to a representative.  When trying to call them back, I got a "not a valid number" message.  Today, I finally was able to talk with a customer rep.

OH HELL NO.  He wanted the expiration date on the card. OK, you can figure there'd have to be something and that's benign.  Then the first 2 numbers - Well duh, all that tells anyone is if it's MC or Visa - but THEN wanted the first seven.   Um. NO.  When I told him I was NOT giving more information to a stranger, he gave me a company name (Credit Card Services....Seriously????), an address 213 Park Avenue, Orlando Florida and a phone # 1-888-577-7963.  Trick was, doing a Google Search  - NONE of these came up individually or together.  

So then his SUPERVISOR comes on and proceeds to yell at me for being too foolish to understand how they do thousands of these every month - and that they have no website so of course I can't find a website, address or phone.  Trying to be nice (and 'coz I was bored and just wanted to see how far he'd go), (and because I'm in Marketing and work every day with companies to help them with simple things and big things that lose them thousands of dollars a day) ((and this was so bad it was good)).

Anyway, I very politely told him that they might be making thousands but they were losing huge dollars by not making sure they showed they were a valid, credible, secure business -particularly If they wanted potential customers with any kind of worthwhile credit limit  to give out this kind of information over the phone.  He YELLS at me for trusting Google over his word  - Obviously I don't know consumer law or how business works.    THEN says if I give them the number, they'll PROVE they are who they say they are.    ------ Like I said, it was so bad, it was good.  And now I can show clients how it is more important than ever to differentiate themselves from scam artists with credible presence in more than one place online as  well as in real life.   Sigh - what I don't do for living my dreams.

Anyway - do not - do NOT talk to these people and for God's sake don't give out credit card info even if they say it's not the secured information.  Whether or not they are scammers, at the very lease they have really poor customer service.  In fact,  I'm reporting them for likely scam AND rotten customer service.

I am disabled, on a fixed income and needed to get lower APR's on my card. I got a call and I am sorry to say that I was taken in by the scam and still trying to dispute the $759.00 that was charged to my card. I was passed from Dustin Bella to Adam Clark and then to Christian Sader and he advised me that he would be my "advisor" and he was very professional and convinced me that he was legit by the 3-way calling to the banks. I felt uncomfortable but went ahead and gave my information to the bank's representatives and while on the phone, he told me to transfer money from one card to another and then call them the next day and lie that I had overpaid my account and want the money back. I later found out that he had been on his computer and applying for other credit cards with my personal information and that really upset me. I decided to look the company up and couldn't find anything on this company so I put in the number and found it to be a scam. I immediately changed all my information, had all my credit card numbers changed. I am hoping to get my money back but we will see. Don't be taken in by these scamming people!

Caller ID: 1888-577-7963

The man on the phone insisted he was calling from Card Services, the company who hold all the accounts for every company out there. He wanted my credit card number and expiration date. He was bold enough to tell me that as long as I did not give out my security code I would be safe from fraudulent activity.  The call came from 406-219-2301, but when I asked him for a call back number he gave me the 888-577-7963 number.

He mentioned that the company was contracted by Bank of America and other card issuers to lower my interest rate to 6.9%. I told him I would call them and tell them to lower my rate if I was so qualified, he told me they would tell me I was not qualified.

At any rate I told him I was an attorney and wanted him to fax me the contract as that was my specialty and I wanted to read it over....he hung up. If anyone cares, I am not an attorney, he does not know that and he most likely wont call back....

They called me today, after they mentioned having a contract with BAnk of America, I told them I was an attorney and wanted to read over the contract, he hung up. I guess I was no longer qualified for the lower interest rate.

this company located in Egypt and it's name is fas international call center they don't know any thing about you they are guessing to know your information don't give those people any information about you or credit cards they gonna cost you a lot of money they can guessing the first numobers of your account for ex any sears starts with numbers 5121 they not honest because they gonna tell you we'r not gonna cost you any thing and they'r Lying take care

Also got a call from here. They knew all my card numbers, including the pin number for my debit card. They knew where I lived 9 years ago! i'm not sure how they got all that information. My bank doesn't even know my pin.

Please reference this: http://800notes.com/Phone.aspx/1-888-868-0538#p290829670010683405

Have received dozens of computer-voice calls from "card services" offering a "last chance to lower your interest rates."

I had a HECK is a night before...how to close all me Credit Cards...contact social security with fraud information...call the  4  credit reports and file a fraud  for 90 days were no one can go into my information unless they have an ID#
I HOPE YOU CAN UNDERSTAND THIS AS I WAS IN A HURRY  AND RATTLED AND DIDN'T SPELL CHECK..I'M SURE YOU GET THE DRIFT OF WHAT I WANTED TO TELL ALL..



Call BBB on phone 1hour the girl was amazed that I knew what to do.

Got a call to LOWER MY INTEREST TOLD THEM DON"T CALL ME.

Company was LINK SOLUTIONS. they are a group of people who make you think they are calling your credit card company and a Sr accountant and  a 3 way conversation  so you give the OK do let them know what you have affable  etc..

After 2 hours as Angelo was their I said I'm not interested and they got PSSSSSS!!!!!!!!!!!!!!!!

They have a heavy accent as I caught on...  I will write on this situation on BBB...I goggle the link solutions and phone # 1888 577 7963 OMG!!  All the fraud replies and pages. And BBB news talks

I called the girl up and said don't call you are a fraud and scam company she said my supervisor wants me to connect you to Adam Clark. He said I was calling you and he said he worked an hour on my case,

I said sure you did........I talk to 2 Financial adviser as you name them who are not. And I

Called capitol and the conversations we had. I asked for these Sr managers and their ID in fact they never received a call from and documentation of a 3 way conversation. You?re a scam

He said and threaten me that I will be harassed every day and turn over to collection and will destroy my credit and will be charged... the amount they were trying to charge was 1,290.00  which none of the financial services do this..

It is 1,200.00 or lower I told him.   He was trying to prove he can lower my interest rate and get a letter from my credit cards.  I told him  Stop the lies and don't threaten me  I posted  on BBB and every were I could because you use an address and false  business which is really a contractor.

I told him read the replies and BBB..He went on to say I pro able psss off the financial adviser that is why we were switched. My fiancée was here and listening. And you had all my information that is why I stopped answering them when they were checking the amount.

You had a copy of all my credit reports with my social security and when you asked for the 3 numbers on back of my credit card I knew you were a scam

Also told him that he was taped and wired and that my lawyer knows your location.  Also that when no CC could lower my amount of interested rate. And you had the amount of owe how I pay and what is amiable and what can be transferred I knew you were a scam......

Also told him that he was mad because closed everything and have new credit cards. WHY DID I DO THAT??  Simple so you can't run up or cash advance my $$$ that were left on my available credit.  

Sure you would lower my credit with your people...not from the credit card...you had my information...to use and would have had a party doing so.

No web page they tell you they are in business 15 years etc...CAN YOU BELIEVE THIS??

This happened on 9/7/11and I called at 12:00 P.M that night till 9/8/11 12:30 the next day noon. Then I had to call motor vehicles and let them know. After calling Home Depot to get what we needed because today I close the 2 accounts.

i THEN WAS SO TIRED GOT SOME SHUT EYE...AND WENT TO THE BANK AND CHANGES ALL MY BANK ACCOUNTS ASAP.  This is what yo have to do.  USBANK gave me a phone #  to the credit bureaus that prompt you to place a fraud allert to anyone  wanting to get a credit report.  WELL!!  what they do they chek out their status if link solution calls and if they aren't with the BB and a name on their list they get documented and in trouble.

ALso had all my credit cards put a fraud protection alert in the file with everyone of their phone numbers. If you go to BBB ADVISES NEW SCAM MAKING ROUNDS... July 7th 2011 their ia SCAM ALERT on them.  they have another number  631 267 1020  they call from adam clark as he calls himself.

they are in EAST HAMPTON NEW YORK..search phone numbers  web page www. reversemobile.com..or put in a number in goggle they go under a construction company's address..

remember this..no one lowers your interest rate unless you call the company directly.  please do the following.

CANCEL ALL CREDIT CARDS
GET  NEW BANK ACCOUNTS ALL OF THEM
CALL UP YOU PHONE COMPANY OR  GO ON LINE AND BLOCK  THEIR NUMBERS ON YOUR CELL AND HOME NUMBER
CALLBBB AND IN DETAIL WRITE WHAT HAPPENED .  IN MY CASE KAY  SAID  SHE WAS GLAD I KNEW WHAT TO DO.
AND CALL UP THE CREDIT BUREA FRAUD NUMBER  AND THEY PROMP YOU  ON FILEING A FRAUD ALLERT FOR 90 DAYS.

PHONE NUMBER FOR  FRAUD  CREDIT BUREAU WHICH WILL PROMPT YOU ON WHAT TO DO AND YOU GET A COPY  IS 1800 680 7289  THIS WILL PROMPT YOU TO ALL THE CREDIT BUREAUS DO YOU DON'T HAVE TO CALL EVERYONE..THIS IS FOR  TRANS UNION/  EXPERIAN/EQUIFAC...EXPERIAN  # IF NEEDED IS 1888 397 3742...EQUIFAX  800525 6285/

SOCIAL SECURITY AND YOU GET A CONFIRMATION LETTER  OF FRAUD..WHICH IS  ANY CALLS LIKE I GOT  THE PHONE # IS 1800 269 0271  IF YOU CAN'T GET THROUGH  GO ON LINE  WWW.SOCIALSECURITY.GOVFORWARD/OIG  FILL OUT COMPANY AND WHAT HAPPENED SHORT  YOU WILL RECEIVED A LETTER OF PROTECTION IN YOUR FILE..  

I THINK THIS IS FOR 90 DAYS OR  PERMANETLY  THEY HAVE 7 YEARS..  IT WILL BE IN YOUR LETTER AND CAN BE UPDAYED..WITH  PHONE COPMPANY AND CREDIT BUREAU.

KEEP A FILE AND DATES ON CALENDER..AND THIS WAY YOU WILL KNOW WHEN TO UPDATE..IT IS FOR YOUR PROTECTION.....PLEAE...  AL OT OF WOWRK FOR ME AND LACK OF SLEEP..AND I SHOULD KNOW BETTER AT MY AGE AND 3 DEGRESS ALSO 3 OF MY OWN BUSINESS YEARS AGO AND WORKED AT P/WEBBER IN N.Y ON WALL STREE..

GOOD LUCK ALL

KEEP IN MIND AFTER 90 DAYS AS WITH THE PHONE YOU CAN REDO THIS AS MANY TIMES AS YOU WANT..
ALSO I HAD TO FILE A FRAUD LETTER WITH SOCIAL SECURITY AS i STARTED COLLECTING MY CHECK WHICH GO INTO MY BANK ACCOUNT.

PLEASE DO THIS AS ASAP...THEY HAVEN'T CALL ME AS I BLOCKED ALL THEIR NUMBER, AND JUST DOING THE CREDIT CARDS CANCELLING AND NEW ONES IT DOESN'T END THEIR.  DO EVERYTHING MENTIONED ABOVE..AND GO TO bbb ON THE SCAM ABOUT THEM  PLEASE.  IT TOOK ME 12 HOURS OF NO SLEEP TO DO THIS.

I ALSO WENT WITH ANOTHER COMPANY IN FLORDIA COST 800.00 ABOUT A DISCOUNT WITH AARP..THEY ARE IN MESA ARIZONA..bUT..WHAT THEY TOLD ME WASN'T WHAT THEY DID.  AS EXPLAINED RECAP..THEY ONLY DEALS WITH MAJOR CC COMPANIES.  LOWER FOR 2YEARS 0% INTEREST CALL CITI BANK AND COMBINE DEPARTMENT STORE CREDIT CARDS AND GE CREDIT CARDS 2 YEARS.  IF YOU PAY IN 90 DAY COST IS FREE..

THEY LIED ALSO.. ELITE PLANNING GROUP..I FILE A COMPLAINT WITH CAPITOL CREDIT CARD GOT MY CREDIT AND THEY STILL PERSUE THIS COMPANY TO GET THEIR MONE..WEITH THEY GET IT OR NOT YOU STILL GET A CREDIT.

I CALLED THIS COMPANY AND THE MANAGER AND EVERYONE WAS NICE AND I EXPLAINED TO HER THAT THEY MISREPERSENT THEMSELVES  AMEY MANAGER..AFTER 20 MINUTES SHE SAID NO PROLEM AND WOULD GO TO BILLING ISSUE A CREDIT.  i CALLED BACK caPITOL AND THEY SAID THAT THEY STILL PERSUE THIS..

tHEN i GOT A CONFIRMATION nUMBER FROM ELITE GROUP AND THE SECRETARY SAID DON'T WORRY THAT WHAT CAPITOL SEND THEM WAS NOT A COMPLAINT THEY GET THEM  AND MY CREDIT CARD  JUST WANTED TO GIVE THEM 45 DAYS  THAT THEY WOULD ANSWERED.

I WAS WORRIED BECAUSE THE MANAGER AMEY SAID  IF I COMPLAIN TO BBB OR ATTRONEY GENERAL I DON'T GET A CREDIT.  NOW WOULDN'T IT BE NICE IF THEY ISSUED A CREDIT TO CAPITOL AND GOT  THEIR CREDIT AND ELITE FINANCIAL GROUP..LOL!!!!!!!

PLEASE!!!PLEASE!!HANG UP ON THEM AND IF YOU GET CAUGHT UP IN A bbb FINANCIAL GROUP AND PAY REMEMBER YOU CAN FILE AND MOST CREDIT CARDS HAVE A PROTECTION AGAINST FRAUD..YOU STILL GET YOUR MONEY BACK ON THE CHARGE TO THE CREDIT CARD...

AS FAR AS  YOUR BANK ACCOUNT CHASE HAS A FRAUD PROTECTION..BUT!!!!!!!!!!!!!!!!!!!!!!!!!
PLEASE CALL UP YOURSELF OR THE LENDER OF YOUR CREDIT CARD LIKE MOST OF THEM ARE CITI BANK AND ASKED FOR A LOWER INTEREST RATE,,THEY CAN DO SOMETHING FOR YOU EXPECIALLY IF YOU TELL THEM YOU HAVE TO CLAIM BANKRUPCY..

BE AWARE..THIS WAS AN EYE OPENER FOR ME AS THE  ELITE FINANCIAL GROUP HAD MY INFORMATION ON EVERYTHIN..SO IF THIS HAPPENS CHANGE EVERYTHING ASAP..PLEASE.. AND BLOCK THES PHONE NUMBER IF THEY PERSIST.  FOR A FEE YOU CAN AT YOUR PHONE COMPANY HAVE THEM BLOCKED PERMANETELY..



Angelo could not believe these people and what I had to do... If I didn't goggle I would not have know they were a scam. Never talk to them I told him Hang up...lie...Even the one Marea went through it will be a year and they have her money...  I said call and lie to them or call your credit card company. They have all your information. I don't care if they are with the BBB...They will not lower your rates...they are all a scam...
PAGE 2 ON SCAM ARTIST AND CALLS

I CALLED VERIZON AND THEY PUT A BLOCK ON 3 NUMBERS FOR 90 DAYS FREE?1888 577 7963?1888 868 0538?EXTENTION 303 TALKED TO LORAN 9/9/11 AT 9:45 A.M.
SHE SAID TO GO ON LINE TO DO NOT CALL LIST AND BLOCK PHONE NUMBERS AT ANY CHARGE.

I TALKED TO CINDY 9/9/11 TODAY AT SOLUTIONS LINK.
AND TOLD HER TO GIVE HIM A MESSAGE TO STOP CALLING MY HOUSE AND I HAVE A BLOCK ON MY PHONES NOW, CLOSED MY C CARDS, HAVE A FRAUD  LETTER AT BBB, SOCIAL SECURITY, CREDIT BUREA  OF MY CREDIT HISTORY CLOSED MY BANK ACCOUNTS .

ALSO TOLD HER THAT MY LAWYER IS HERE AND FOUND OUT WERE HE IS AT WITH THE PHONE NUMBER AND WILL HAVE A LAWYER GET IN TOUCH WITH THEFBI TO BE AT THIS ADDRESS AND TO HAVE HIM IN COURT.

I got a call from Sarah Maguire from that #, ext. 257. Of course Sarah with the Irish name had a Russian accent. I gave her a bunch of BS credit card info to see how it would play out. She came back and asked me what the balance was and what the credit limit was. I told her the balance was $4967 and the credit limit was $5000. She asked me if I had another card where the balance wasn't so close to the credit limit. I laughed and unloaded on her.

They call themselves Link Solutions.

Wrong and wronger....

Worst shill ever!  "Scamp" ... "rat"...

i think u are such an idiot what are u talking about :D we are talking about service and lowering the interest and u are talking about( Death to the Palestinians! Israel will destroy you! Murder Muslim pigs. Slaughter you to death! )bla bla bla eat ur heart out i dont care any way i left the company i didnt like the sales :D

???? ?????????! ????? ????? ??! ??? ?????? ???????. ????? ???? ?? ????!

I've notified my Israeli friends. Don't worry, Israel will one day expand and overtake Egypt. U mad bro? HAHAHA

yes all the agents are Egyptians yes we are located in cairo iam an agent there iam muslim :) the company owners are lebanese
and they didnt say that we are located in egypt just because of the idiots which gonna think that we are Terrorism while we are not we are very educated iam muslim and proud and i have never killed even a fly :D

and the mean idea of the service i mean in order to be qualified u have to be owing over 3500$ and to be paying over 10% as an interest rate and to be in a good standing with at least 700$ on one card at least

let us say that we are a Scammers why we are asking about the interest if its over 10% or not and why we should be paying over 3500$ there is no way on earth that there is a scammer gonna ask u about the money that u owe ofcourse he will ask u about the money that u have i mean it will be a dept not credit and all of u guys used to say that they are tried to scam and no one said the scammed me or my account and u will never see that

and about selling the info as he said i called a client before i mean since i was a trainee and he said thanks and i received a thanks call i swear to God he just call to say thanks for the lower interest  

simply the company mangers wanna save money
the idea of being in egypt just because of the American Agent will take at least 1500$ 2000$ i dont really know iam egyptian after all :D and the egyptian agent will take between 1600 L.E to 2200 L.E if he got the target and 1 Dollar = 6 L.E (egyptian bound) imagine !!!!
about the website or boring kind of the advertisements i dont know they wanted to save money or scaring from the taxes i really dont know and i really dont like because alot of clients just calling in order to tell us to remove their names from the calling list

and about the account number its not a big deal weak up every time u use ur card let us say when u are shopping the machine Card issuing two papers one for u and the other for the merchant so he got it but he cant do any thing with out the CVV code on the back of ur card the 3 small numbers after the account number and  the Pin code i think u receive it when u receive the card it self and the mother madden name i dont know where it will be printed :xD

if u need my advise dont use the credit cards because the banks is the real scammers if they give u 100 they will take it 300 believe it or not

some information to report them..
all agents are egyption and the the location of this call center egypt cairo nasr city
they lie on the customers and they sell their information.
the owner of the company are 2 s**** and their nationality is lebanese
they sell this info to anyone pay so if they call anyone u should pee on thier a**
the general manager as they call him is Cameel i think he is a gay..DONT GIVE ANY INFO OVER THE PHONE....if they are real company they should have real number , real address and real web site

this compamy in Egypt it's name is FAS financial advising service located in Cairo - naser city behind al serag mall building # 19 and the toll free number in united state is 1888-577-7963