I'm not sure about 3.9% but they surely dropped my interest rate to 5.9% from 19%. I talked to the representative for more than one hour.....i was skeptical about that and i wasn't sure about them but still i signed up with them and got the interest rate down. I was surprised to see that it wasn't a scam.

please buddy.  you write english in the same incorrect way the callers speak it!  You're one of those lowlife scumbags yourself.  Your judgement day will come.

I got a call this morning from very heavy accented man. He claimed he could lower my interest rate to 3.5%. I told him to go get f**ked. He then gave me a number to call back at if i didn't beleive him (1 (905) 595-4511 ext 312) Upon calling another heavy accented man answerd the phone which i had trouble understanding, i told him after a few minutes to put me through to ext 312, which he did, and then the man who had called first anwswered the phone laughing (real professional moron). I finally picked a few choice words to lay on him, and hung up the phone. F****ng scam.

Again, just like the others claiming it is not a scam, your grammar for someone named "Alex Murphy" should be perfect.  It is not. "They really exists" do they???  

You should be ashamed of yourself.  Get a real job and stop stealing money from honest people.

For the record, it is illegal for anyone to ask the information they are asking for.  Even a call from 'your bank'.  If you call your bank then it is allowed for them to ask you, but that is the only situation.

I thought this company are scam even after i gave the authrization to them.But i saw they are not scam.Because they send their package to my door step.Then i fill the debt profile and i send it back to them.yesterday they call me and let my know that my interest rate is now 5.9% for the life time.Then i  verified this information from my bank right away.i see it is true my interest rate is now 5.9% from 19.17%.

I got a marketing call even though I am on the do not call list (Ontario, Canada). I was told it was Liberty International Financial, tel. (905) 595-4511. Another junk call!