Credit Masters of America, Inc/First United Financial Group (A Division of Barnett & Co., Inc.) Eureka Springs, AR or Edmond, OK is a scam. The services they offer is to search for banks that will issue unsecured credit cards to people who have no credit or bad credit. The search is free, but it cost 39.00 processing if you choose to accept the list. Once you accept the list and pay the fee, the list is to be email to you within the hour with the names and numbers of the banks. I paid my fee, and here it is one week and one day later and my list still has not been emailed. I tried to contact the company via telephone trying each of the three numbers listed for contact and guess what? All but one is disconnected and the one that is answering says to leave a message, but not right now because the company is so busy with its customers. They even had me to print a order confirmation report with order numbers and everything. They debited my account for $78.00 when they should've debited it for $39.00. I am not usually a gullible person, but yeah, they got me. I am hoping my experience written here will help someone else keep their money. This company also claim to be listed with Dun & Bradstreet.