now dont worry, they r 100% transparent...and you may get as low as 3.9% to 7.9%..must b lower than previous one...

Had a guy call me named Mark Williams , very persistant. I didn't give him any information only that I wanted to check out his company and he could call me back at a later date, Can't wait for him to call back boy am I going to have fun with this one.

Just got a call from 14160012345 and (905) 595-4511 Liberty International Financal Group ot of Markham Ont. Heavy accented man asking for personal info and credit info. Unfortunatly I gave him personal info and Mastercard info. After my very smart wife advised me not to give anymore info. I hung up and called the BBB and Mastercard. I was told there is no company called Liberty International. Mastercard told me there is a phone scam going around. I will be issued a new card but unfortunaly they have my personal info. Be aware and do not give them a second of your time. It is a scam.

I had a call from this number which now is changed and the company name is Liberty international financial group. anyways they got me a lower rate 5.9% and i am saving money on interest rate charges as they promised me some savings i can see that through a software they sent me its all black& white  with me so now i am satisfied as i have seen the difference my self therefore i just have my second card in process to get the prime rate of.

Oct 20th 6:50 pm received a phone call (UNKNOWN CALLER)from a man with a very thick accent, who said he was calling from Liberty International in Markham Ontario with a program called FFN - which is supposed to be Financial Freedom something- talked about lowering my interest rates on my cards(3%)no fees -Lifetime rates) - any and all of them - said he was calling on behalf of the credit card companies - I was a valued customer etc. First he asked me if I had credit cards. (Suspicious) He made a point of giving me his name, telling me to write it down - (Eric Wilson) and this bogus phone # with his extension # -said he had to verify my information to see how much I could "save". Then he passed me on to someone to "verify" me information. I was having some fun with the call. The girl who came on the phone gave her name as "Shane" and the ph # and ext again and asked to verify some info -again wanted me to verify my card # I told her to read it to me to verify. I also said I would hang up and call her back - she played it cool and said yes I can do that but I should just stay on and verify my card. I dialed the number from a separate line, and heard only a busy signal. I told her this and she took the next opportunity to get off the phone.After hanging up, I searched the number on Canada 411.

Got a call from (647) 722-2391, at 3:30pm this afternoon, and when I answered and said hello, the caller hung up. Called the number back five times and it was busy.