While the agents were friendly, I asked if this comment required money up front and the first agent said no! I know my credit score is good yet I was transferred to another agent, even though I informed the first one of this. She was friendly, yet when she began discussing my need for an improved credit score I immediately called her bluff! I told her I knew my credit was good and asked her if her part in this required money! She paused and untold her I knew this was a scam and would not waste my time or hers! Shame in these people taking advantage of those who so desperately need help!