I filled out what I thought was a RANDOM survey to see how much I might save If I used this service. Having been ill and having some Family members try to collect on inheritances that never came because I DID NOT DIE( Brother) my credit was fragile. I had managed to get my score back up to 660. Not the 830 it was but better than it had been. Within 24 hours of filling out this Random Survey much to my surprise Lower My Bills sold my Information to every subprime lender and their sister. They began calling me, my cell phone, e-mail, fax, u-name it. I was harrassed morning noon and night. Worse of all without my consent they all pulled my credit sending my scores back into the toilet I thought that I had blocked that with the credit agencies, meaning they need my permission to pull credit. But I later found out my "opt out " was only good for 5 years and have expired. Experion makes big payola here because they sell "credit profiles for the purpose of extending an offer" to the subprimes, creditcard companies, etc. The more inquiries the lower the score goes. The lower the score the more desperate you become for a bad subprime loan. The whole thing I believe has been cooked up by Experian, LowermyBills, and the lending, credit and insurance industries who have all sought to drive scores down so they can raise rates. With some cards now if you are late on say card A card B will also consider you in default and charge you the higher rate. Just go ask Discover! The phone sales harrassment is horrible esp from the lenders and the buy down costs are unreal with hideous prepay penalties. I did not take the offers but I can't get another loan even though I have nearly 50% equity in my home, because all inquiries tanked my credit. On another note Creditors are making it hard to resolve issues that allow them to charge a lot of interest and Experian fosters this as they work for the creditors.I am not sure if Lower My Bills gets paid by all these lenders when they do their deals. They are a bunch of SHARKS and are responsible for writing a lot of the loans that are causing the problems housing is in today. Since Lower my Bills is in Bed With Experion and lenders they stand to win and we stand to lose. I was harrased by Fidelity. I wished I had taped the calls I still have their so called good faith settlement, where they were going to charge me $18, 000 for the loan, heafty prepay and somehow I was going to be better off giving up my 5.9 % 1st and rolling it all into and 8.something just till my scores rose.. I just got a voice e-mail from another lender re-lowermybills saying if I wanted to be left alone just fill out their survey. Then another from HFC. This has been going on since summer. Sadly my home home is for sale as I try to get my scores back up. What I thought was a PLUG IN SURVEY HAS FORCED ME TO SELL MY HOME due to lowering my scores. Now Wells Fargo who has my 1st at 5.9 will only give me a 2nd at 8.5 but won't help with the 30, 000 in credit card debt at 28% (Where I really need the help) because i purchased disability insurance on the cards. I have been trying to get that turned on since 2005. The 30k medical bills not that it is anyones business.