Received text message for approval of a low rate credit card.

Ditto. I can't believe they are spamming SMS messages. I pay for those. Maybe adding to DoNotCall will work?

Text message to my cellphone from 718-207-3191 asking to call back 1-877-353-5806 for a mortgage loan. Do not know how they got my number!

you can file a complaint here
https://esupport.fcc.gov/form1088/consumer.do

Text message received Fri 10/23/09 @ 10:25am from number 718-207-3191 (callback # 888-295-2032) regarding a pre-approval for a mortgage. I have to pay for this! Also, my phone is listed on the Do Not Call registry (www.donotcall.gov) so I'm not sure how they got my number; I think it's illegal.