Reasons why:

They will not stand behind the product. If you buy a bad lead from them, they will not offer a refund, SOL.

If you buy leads with social security #'s, it means absolutely nothing.

You have to buy a minimum of 20 leads a day.

The cancellation Policy is for 30 days, so about time you realize how bad the leads are, you are stuck spending money on approximately 600 leads.

The sales rep absolutely misrepresented the company. i.e. I specifically asked for borrowers that were not 1st time homebuyers and continually received these types of leads. Because of the return policy I could not get a credit for leads set out of the parameters. When I tried to change the parameters to eliminate 1st time homebuyers I had to take leads that fell under the label "prequals" that basically amounted to dreamers, people that have no clue and only waste your time.

If any lender or mortgage broker is looking to buy any type of internet lead from Lower My Bills stay away!! they are a scam and will steal your money faster than a Vegas Casino.

I spoke to one direct lender that had a funding rate of only 1%. They are currently looking to sue, because of the blatant misrepresentation.

Be forwarned Lower My Bills is a SCAM