Beware of phone callers from 800-963-6230!
They will announce themselves as calling from "American Financial" and that your requested credit account has been approved. When I got the call, I asked "what credit account?" and was told that my name had been forwarded by a credit card company that had denied me an account. Yeah, right. I clearly stated that I did not want their "credit account," the woman said "That's all you have to say." When I pumped her for further information, she hung up.
I called the 800 number listed by my cell phone and got a guy who then mocked me as I tried to ask questions. So I told him I was calling the police and hung up.
Well I doubt the police will do anything, but I can enter a complaint at Consumer Action and at the FTC.