Subject: account # 20367 s tue , 28 jun 2005 11 : 41 : 41 - 0800 hello , we sent you an email a while ago , because you now qualify for a much lower rate based on the biggest rate drop in years . you can now get $ 327 , 000 for as little as $ 617 a month ! bad credit ? doesn ' t matter , ^ low rates are fixed no matter what ! follow this link to process your application and a 24 hour approval : http : / / www . ddrefi . net / ? id = al 7 best regards , harrison neely http : / / www . ddrefi . net / book . php