Bankrate said they would send me three offers from the companies most likely to service what I wanted, which was a HELOC. Instead I'm being spammed with email and even snail mail from scammers (the HARP scam and/or refinance with a bazillion dollar cashout if you send them a few hundred dollars). They also gave my information to a bunch of places for refinancing. In fact, I don't think they send a single place that actually did HELOC's. They are obviously selling your information to anyone will pay ten cents, including known scammers and spammers. Don't give them your information, there are far better ways to accomplish finding what you're looking for!