Has anyone heard of a company called "Personal Credit Services"?

Personal Credit Services charges a fee to hook you up with a loan company that will give you a loan. It is gurenteed (sorry about the spelling) that you get a loan or your money back? Are these people just praying on folks with bad credit?

Yes they are. What is that company doing that you cannot do yourself. You can go to the lenders site and submit an application and wait for approval. The best thing there is you can choose the lender that meets your requirements. You do not have to pay a fee to an in between man then and saves you money.