How about this one. Because their rep (Dennis Wiley) screwed up and signed me up for the wrong program they had to keep giving me credits from zip codes I never requested. Rather than doing that, they simply canceled my membership owing credit and 2 more leads, I never got. BTW, the last one of their leads I just called on, the guy hasn't saved a PENNY for retirement. Point being they don't scrubb these leads one bit. They are just sending names and address (but, not always, sometimes no address)so they can charge your credit card.