Here at RLC we our best to serve you better every day. That's why we found the IVR Cheat Sheet™ by Paul English. It tells you how to get a real live organism on the phone when you're calling your favorite legal person-equivalents. Looking for someone to talk to at Student Loan Corp or Charles Schwab? Try 
The IVR Cheat Sheet™ by Paul English:     
    Accredited Home Lenders  877-683-4466  Press 0
    Advanta (business cards)  800-705-7255  1, 0
    America First  800-999-3961  0 or say "member services"
    American Education Services  800-233-0557  Select language, then press 2, then 00# ar each prompt
    American Express  800-528-4800  0 repeatedly
    American Funds  800-421-0180  Press 0.
    Ameritrade  800-669-3900  3, 3, 0. (Former Datek Clients: 800-823-2835)
    AT&T Universal Card  800-423-4343  Do not say anything or push any buttons! It takes awhile, but eventually a human comes on-line!
    Bank of America  800 900 9000  At ANY Bank of America number, press *0 to get human.
    Bank One  877-226-5663  00
    Bayview Loan Services  800-457-5105  Press 0.
    Capital One  800-903-3637  For all Capital One #s, press 0 at each prompt or just don't do anything until finally offered option of representative
    Charles Schwab  800-435-9050  3, 0
    Chase  800-242-7324  At most Chase numbers, press 0 at each prompt; eventually get rep.
    Chase Auto Loans  800-346-9670  Press 1, 2, *0
    Chase Credit Cards  800-625-5161  Direct to human. (This line is for online issues only.)
    Chrysler Financial  800-700-0738  Select language, then press 00
    Citi Cards  866-696-5673  Press 0 to get a human is offered at many Citibank numbers.
    Citibank  800-756-7047  Otherwise, press 0 at each prompt; eventually get rep.
    Citizens Bank  800-922-9999  Press 0,0,0
    Columbia Mutual Funds  800-345-6611  Say "representative."
    Commerce Bank  800-937-2000  Press 0.
    Countrywide Loans  800-669-5864  Press 0 repeatedly
    Decision One Mortgage  888-264-3663  Don't press any keys when prompted; they transfer you
    Diner's Club  800-729-5309  Press 2.
    DirectMerchants Bank  800-379-7999  Press 0 at each prompt; eventually get rep.
    Discover  800-347-2683  ****
    Dodge and Cox  800-621-3979  Press 0.
    e*Trade  800-786-2575  #### (4 pound signs)
    Edward Jones  314-515-2000  Worldwide corporate HQ in St. Louis, MO still answers 314-515-2000 with switchboard operators, who announce their name as well
    Emigrant direct  800-836-1997  Human answers.
    Exxon Mobil Card  800-344-4355  000 ignoring message
    Fidelity  800-544-6666  ignore prompt for social security number, just enter ###
    Fidelity NetBenefits  800-581-5800  1,#################
    Fifth Third Bank  800-972-3030  0,0
    First National Bank of Omaha  888-530-3626  Press 0 at each prompt.
    Ford Interest Advantage  800-462-2614  Choose option 4, then option 0 to speak to rep.
    GE Finance CareCredit  866-893-7864  1, 6, 5, 0, 0
    GM MasterCard  800-947-1000  Press "0" at each prompt.
    Green Dot Online  866-443-6227  Wait through prompts 3 times, then long wait for rep.
    Harris Direct  800-825-5723  Press 0.
    Honda Financial Services  800-445-1358  Press 0 at each prompt regardless of the message.
    HSBC  800-477-6000  1, 3, 0
    ING  800-464-3473  Direct to human.
    Key Bank  800-539-2968  Remain on line; press nothing
    M&T Bank  800-724-2440  Press 0 at each prompt.
    Marshall Fields Credit Card  800-280-4356  After greeting, choose option #9, then press 0.
    MasterCard  800-MC-ASSIST  000 on each menu
    MBNA  800-421-2110  00 when menu starts
    Mellon Investor  800-649-3593  Wait through initial recording finishes, select nothing--wait--you will be connected to a live customer service rep
    MetLife Bank  866-226-5638  Press # after each menu.
    Moneygram  800-926-9400  Press 0 when menu starts.
    NAVY FCU  800-914-9494  Press 2, then press * 3 times.
    NOVA Information Systems  800 377-3962  Press 0
    PayPal  402-935-7733  Say "agent." See also.
    Paypal Buyer Credit  866-571-3012  Be silent and at the end of the options press 6.
    PNC Bank  888-762-2265  Press * till it says "transfering to customer support;" takes about 3 *s.
    Privacy Guard  800-734-0199  Say "agent" or "no" or any word at each prompt.
    Prudential Annuity Service Center  888-778-2888  Press *, *. At SSN prompt, press *, *. At end of message will reach rep.
    RBS Credit Card Services  800-747-8155  Press 0 at each prompt; eventually get rep.
    Smith Barney Benefitaccess  888-822-6067  Press 0.
    Sovereign Bank  877-768-2265  Do not say anything or push any buttons. Eventually a human comes on the line.
    State Farm Bank  877-734-2265  Press 0
    SunTrust  800-786-8787  Press # after each menu.
    T. Rowe Price  800-922-9945  Say 'Representative' at every opportunity
    T. Rowe Price  800-225-5132  Press 0 at each prompt.
    TD Waterhouse  800-934-4448  Press # after opening prompt, then do it again after prompt to be transferred to rep.
    The Student Loan Corp. (Citibank)  800-967-2400  Choose option 5.
    The Student Loan People  888-250-6401  Press 0 repeatedly.
    TIAA-CREF  800-842-2252  Press 00 at each prompt.
    TransUnion  800-916-8800  No cheat necessary; 2nd prompt offers human contact
    US Bank  800-872-2657  0000
    USAA  800-531-2265  Say "representative" at every opportunity.
    Visa  800-847-2911  000 (ignore prompts saying that it's an invalid entry)
    Wachovia  800-922-4684  0, 0
    Wal Mart Credit Card  866-888-3868  0
    Washington Mutual  800-756-8000  At any time after the announcement(s) press 0,0.
    Washington Mutual  800-788-7000  Press 0 at each prompt regardless of the message.
    Wells Fargo  800-869-3557  0,0,0 or when asked for account number say "I don't know"
    Western Union  800-325-6000  * then ##
    us government  phone steps to find a human
    Dept of Education Loans  800-848-0979  Say and do nothing at the prompt and you will be transfered to someone.
    EDD  800-300-5616  When you hear "welcome", press 1, then press 4 and 0 at the next two prompts.
    Federal Trade Commission  877-382-4357  At each prompt, press 4, 5, 0.
    FEMA  800-621-FEMA  Select language (1 for English), Don't choose any option, just hold for human; or press 00
    INS/Citizenship  800-375-5283  Select language, then press 2, 6, 2, 4 at the prompts, press 0.
    Medicare  800-MEDICARE  RE; info for part "D" Medicare Prescription Drug Plans- When recording begins say "Agent" 5+ times.
    Medicare  800-633-4227  Say "agent" or press 0.
    Social Security  800-772-1213  Press 00.
    US Dept. of Transportation  800-832-5660  Press 000.
    USPS  800-275-8777  Press 3 at each prompt. Press 2 at the next recording.
    Veterans Affairs  800-827-1000  Press 1,0.
    us insurance  phone steps to find a human
    Aetna  800-537-9384  2, then say "operator" (check this)
    Aetna  800-680-3566  * then 0 anytime
    AIG  877-638-4244  Direct to human.
    Blue Cross FEP  800-451-7602  Wait for prompt, then press 0, 3 to reach a CS rep.
    CIGNA  800-516-2898  REGARDING A BILL
    Cigna  800-849-9000  ##
    Delta Dental  888-335-8227  00000, wait through message, select language, 4, 0.
    GEICO  800-841-3000  Wait for prompt then 6, 1, 5; Or dail 800-555-2752
    Medco  800-251-7690  0000, enter member id or say "i don't have a member id."
    Medicare  800-633-4227  After the opening prompt say "agent".
    Principal Life  800-247-4695  1 for english, 2, then 0 several times.
    Prudential Financial  800-778-2255  Say "Customer Service Representative" several times after intro.
    United Health Care  866-844-4864  000000,0,0
    USAA  800-531-6095  000 then #; or # initially to dial the extension of a specific representative
    us pharmacy  phone steps to find a human
    aarp pharmacy services  800-289-8849  when the puter voice is done hit 000 ignoring all untill you get a haman voice hit 0000
    Caremark  800-262-7890  0
    CVS  local store  Press 6 to connect to store manager.
    drugstore.com  800-378-4786  2, 5
    Eckerd  800-325-3737  0 for pharmacy, 8* for manager
    Express Scripts - TriCare  866-363-8667  0, listen announcement, 0,0.
    MEDCO  800-987-5269  Say "representative" after each message (3x).
    Medco Health  1-800-770-2810  hit 0000 whenever a puter comes on
    Rite Aid  local store  Press 3 to speak to the pharmacy
    Walgreens  local store  0 for a pharmacy employee
    Walgreens Mail Order  800-635-3070  0,00
    us products  phone steps to find a human
    Bose  800-444-2673  Direct to human.
    Entertainment Weekly Mag  866-228-1183  Say "Agent" then "yes" when asked "Do you want to speak to a C.S. rep."
    GE Appliance  800-626-2005  000
    GE Consumer Products  800-720-2094  Select type the of product from menu and you'll get a human.
    Kodak  800-235-6325  *7 or *28
    Kodak Gallery (Ofoto)  800-360-9098  Say "customer service representative" repeatedly.
    Konica Minolta  800-285-6422  0
    Panasonic  800-211-7262  0,0,0
    Playstation  800-345-7669  0
    Sonos  800-680-2345  1 sales; 2 support
    Sony  800-222-7669  When prompted, say "Agent."
    Sports Illustrated  800-284-8800  0,0,0,0 (ignore "invalid entry" messages)
    Time Magazine  866-731-5401  0,0,0,0 (ignore "invalid entry" messages)
    XM Radio  800-967-2346  0
    us retail  phone steps to find a human
    Advance Auto Parts  800-314-4243  Press 0 when the automated message begins.
    Amazon Visa  888-247-4080  Press 0 twice. Ignore invalid account message.
    Amazon.com  800-201-7575  Wait though the first menu for an agent. See also.
    Apple Stores  local store  press 5 as soon as you hear the automated menu
    Banana Republic  888-277-8953  0
    Barnes & Noble  local store  Press 1 or 0 during greeting.
    Barnes & Noble.com  800-843-2665  Direct to human.
    Best Buy  888-237-8289  Listen to intro, then press 1,2,0,0
    Best Buy Card  800-365-0292  00* then press 8
    Blair  800-458-2000  Direct to human.
    Buy.com  949-389-2000  Dail 0 and direct to rep
    Cabela's  800-237-4444  Direct to human.
    Circuit City Visa  888-363-8001  Press 0 a lot.
    CompUSA  local  0
    eBay  800-322-9266  0,0 See also.
    Gap Credit Card  800-887-1198  000
    Home Depot  local store  Direct to human.
    Home Depot  800-793-3768  # 2-3 times
    Home Shopping Net  800-284-3100  0
    Ikea  800-434-4532  Press 0 many times quickly!
    JC Penney  800-222-6161  Press 0 twice, ignoring error message.
    K-Mart  local store  0
    Kohl's Credit  800 564-5740  After providing account info, press 0 three times
    LL Bean  800-441-5713  Direct to human
    Lowe's  800-445-6937  Press 0 as the recording kicks in to get to the Operator
    NetFlix  888-638-3549  0
    Old Navy  800-653-6289  0
    Overstock.com  800-843-2446  At the main menu, 0 three to four times to bypass the menu
    Petco  local store  3
    QVC  800-367-9444  0
    Radio Shack  800-843-7422  0,0
    RadioShack  local store  Direct to human.
    Rent-A-Center  800-422-8186  1
    Safeway  local store  As soon as voice prompt starts type 1200 to get human
    Sears  800-4-MY-HOME  Be silent to be put in queue for human.
    Sears Delivery  800-732-7747  *122
    Sears Repairs  800-469-4663  Repeat "Help" everytime the IVR tries to give options.
    Sharper Image  800-344-9919  Direct to human.
    Staples  800-333-3330  Just wait through intro and you will be connected to a representative.
    Staples  local store  0
    Stop & Shop  local number  0
    Target  local store  0 during greeting.
    The Company Store  800-285-3696  0
    Tiger Direct  888-999-7300  0
    Toys "R" Us  local store  0
    Wal-Mart  800-925-6278  1 for directory
    us shipping  phone steps to find a human
    DHL  800-225-5345  Press 1, press 5, press 0, enter your phone number.
    FedEx  888-463-3339  At message say "Rep"; or press 0
    Union Pacific  800-877-5123  Press # sign during main menu options.
    UPS  800-742-5877  0,0
    us technology  phone steps to find a human
    Adobe Systems  800-833-6687  1 for Adobe, 2 for MacroMedia, 3 for both.
    Apple  800-275-2273 6AM - 6PM Pac Time.  000; if virtual rep answers, say "operator"
    Apple Tech Support  800-275-2273  0,,0,,0 Wait for IVR response before pressing 0 each time.
    Compaq  800-652-6672  When asked what product say "I don't know", then "person", ignore message and human will answer (may gave to hold)
    Dell  888-560-8324  00, 0, 0, 0
    Dell  800-999-3355  Press "0" repeatedly.
    Directv  800-494-4388  Silence, and you will be routed to a human/
    Earthlink  888-327-8454  Press 1 to find a dial-in number; 2 for billing; 3 for sales; 4 for support
    Epson  800-922-8911  yes
    Fujitsu PC Support  800-385-4878  0, 0
    Gateway  800-846-2301  Press nothing and wait through message.
    Geek Squad  800-433-5778  0,0,0,0,0,0
    Godaddy  480-505-8877  4, #, select 1 for new customer 2 existing customer, #again
    Hewlett-Packard  800-474-6836  Say "agent".
    HP  888-560-8324  00
    IBM  800-IBM-4YOU  You go into a hold queue immediately
    kodak  800-235-6325  Press # after intro message.
    Microsoft  800-936-5700  Always 0. This is true for just about any MS number.
    QuickBooks  888-729-1996  1 purchase; 2 billing; 3 registration; 4 tech support or 0 to human
    Symantec  800-441-7234  00
    Zone Labs, Inc.  877-966-5221  Press 2 for direct to human 24/7
    us telco  phone steps to find a human
    Alltel Cellular  800-255-8351  Press # four times.
    AOL  800-827-6364  Press 0 repeatedly, ignoring all messages.
    AT&T  800-222-0300  Press # four times, then press 1 if for current phone, 2 to enter other number, else 3.
    AT&T Wireless  800-888-7600  During prompts, press * then # twice.
    BellSouth  877-678-2355  Press *0.
    Cellular One  888-910-9191  Press 4.
    Charter Communications  888-438-2478  Press 0 eight times.
    Cingular  800-211-2445  Direct to human.
    Comcast  800-266-2278  Press 000 or be silent and wait.
    Cox Communications  877-247-2474  Press 4.
    Free 411  800-373-3411  a free alternative to paying $1 or more for 411 calls
    MCI/Costco Calling Card  800-938-4949  Press 2 four times.
    Metro PCS  888-863-8768  Press #43.
    Motorola  800-331-6456  Press 0 twice.
    Nextel  800-639-6111  Press 0 five times.
    Packet8 (VoIP)  888-898-8733  Ignore message, press 3, then 5 to get to CS rep
    Qwest  800-244-1111  Say "Agent" 5 times.
    RCN  800-746-4726  Press 5, then 3, then 1.
    SBC  800-585-7928  Again, an (intelligent, this time) IVR wants YOUR phone number first.
    SBC DSL Support  877-722-3755  Say "no" and enter your phone # (or "yes" if calling from same number on account), then press 0 repeatedly.
    Simple Freedom  800-335-6401  Press 1, then 3, then 2.
    Sprint  800-658-7564  Direct to human.
    Sprint Broadband Direct  888-996-0001  Press 0 twice.
    Sprint PCS  866-273-2163  Direct to human.
    SunCom  800-786-7378  Press 0 four to five times during or after opening message.
    T-Mobile  877-606-4801  Direct to human.
    TracFone  800-867-7183  Press 1 for English, wait for next menu to start, then press 5, then 4.
    U.S. Cellular  888-944-9400  Press 0.
    Verizon 411 Directory Assistance  411  Press 0.
    Verizon DSL  800-567-6789  Say "Agent" repeatedly.
    Verizon Phone Repair  800-275-2355  Direct to human.
    Verizon Wireless  800-922-0204  Press #00 or enter phone # then 0 then 4.
    Virgin Mobile  888-322-1122  Press 2, then say: "English", "More Options", "Ask a Question", "Live Advisor", "Something Else", "I don't have one", then enter phone # or say "I don't have one."
    Vonage Customer Care  888-250-1799  Direct to human.
    us travel  phone steps to find a human
    American Airlines  800-433-7300  00, then say "agent"
    Amtrak  800-872-7245  0 or say "agent"
    Amtrak  877-444-4773  Direct to human.
    Delta  800-221-1212  Say "agent" 3-4 times - every time it asks for a response from you.
    E-Z Pass  888-288-6865  0,0,0,0 (ignoring "invalid response" messages)
    Jet Blue  800-538-2583  0
    Kayak.com  203-899-3120  0
    Lufthansa  800-399-5838  Direct to human.
    Mariott Rewards  800-321-7396  Enter rewards number and press 0 (or just press 0 if you don't have the #).
    National Car Rental  800-227-7368  Direct to human.
    Northwest  800-225-2525  *, 0,0 after initial greeting
    Orbitz  888-656-4546  #,#,#,#,#
    Southwest  800-435-9792  Direct to human. (may hold if busy time)
    Travelocity  888-872-8356  #,#,#,#,#,#,#,#,#,# (ignoring "I'm sorry I did not understand" messages)
    United  800-864-8331  Do nothing, wait for human.
    United  800-864-8331  When you hear "let's get started" say "Agent" ... then "Domestic" or "International" as appropriate.
    US Airways  800-428-4322  4, wait, 1
    Walt Disney World  407-824-4521  Direct line to Magic Kingdom Guest Relations
    us tv/satellite  phone steps to find a human
    Charter communications  866-499-8080  Select language, 0,0,0,0,0,0 (and then hold :(
    comcast  800-945-2288  Ignore message and after 25 seconds, a human will answer.
    Direct TV  800-347-3288  0 repeatedly
    Sirius  888 539-7474  0
    TiVo  877-367-8486  Say "Live Agent"
    XM Radio  800-998-7900  Direct to human.
    259 companies as of Sat, 14-Jan-2006 04:51 CST  
The IVR Cheat Sheet™ is Copyright 2006 by Paul English.
Thanks to Mr. English for this valuable public service. Everybody go to his site for more details and links! Thanks also to my cousin Lois, who emailed it to me. And thanks to the people of this country who take the time and make the effort to find and promulgate information to help others in every conceivable area of life. The sovereign individual is the most endangered species on Earth today, and people like these are keeping it from extinction.