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Did you know that when you answer the phone and hear a computerized voice offering to lower your credit--as if you would take an unsolicited credit offer from a computer--and you happen to be cranky because you are in the middle of installing software on your computer (so, of course it isn't going well...and they did, after all, interrupt you) and you say in a loud and firm (did I mention cranky?) voice, "I hate you and I want you to stop calling me!" that that will make them go away?
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Seriously.
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Dead stop in the middle of the offer.
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I'll have to try that again.
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