I was contacted via mail by these jokers, with a letter that stated "after a review of your current loan" they could lower my apr and monthly payment- i went through and filled out the app as requested, only to be denied because of my credit report history- their letter stated nothing in relationship to my credit report yet "PREQUALIFIED" was stated-complete waste of time along with a hit on my credit score because i applied..... The best part about this whole scam-we all currently have loans in place, specific to my loan- never missed a payment nor have i been late--So much for attempting to rebuild your credit-THANKS SO MUCH FOR THE HELP dont waste your time-