These companies are offering bad credit loans, they will ask you for some sort of downpayment up front, DO NOT GIVE IT TO THEM!!!
I found this out after they had gotten my money do not let this happen to you, phone phonebusters and file a report, the toll free number is 1-888-654-9426. Do this immediately if this has happend to you.
These companies look ligit until they have your money, and they will phone you back for more, I also think that they are doing identity theft, so the least of all no personal information should be given to them.
So far the people I have been talking to are Michael Watson, and Kevin Kennedy, who knows what other peoples names they are using, and whatever you do DO NOT SEND ANY COMPANY MONEY UPFRONT OR THROUGH WESTERN UNION!
Because your money will be gone!
Please remember if the offer is to good to be true it probably is.