Opt-out to protect your credit rating!
Did you know your private credit data is probably being sold right now - without your permission!
Whey you apply for a mortgage, credit bureaus can sell your information to debt collectors, marketing companies, lenders, insurance co's, and more.
This is called a "trigger lead." It happens instantly and can lead to:
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Aggressive telemarketing calls
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Confusing bait-and-switch offers
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Junk debt scams or collection fraud
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Even a potential drop in your credit score
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When you apply for credit, the inquiry shows up on your report. The credit bureaus (Experian, Equifax, TransUnion, and Innovis) then package and sell your data to third-party companies looking to profit.
It's completely legal... but it's not in your best interest.
The Risks of Doing Nothing
If you don't opt out, you could experience:
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Endless sales calls from various call centers
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False offers that use your credit data to trick you
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Old, inaccurate debts suddenly appearing on your report
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Added stress during your home search or loan approval process
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You can opt out of trigger leads in minutes by visiting:
This is a government website and it will stop the credit bureaus from selling your data for 5 years. To opt out permanently, you'll be prompted to complete the opt-out process by mail.
Tip: Do the online opt-out first to remove your info immediately,
then complete the permanent opt-out procedure by mail.
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While your at it, Stop the Phone Calls Too
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National Do Not Call Registry:
Register your phone Number(s) to stop calls from companies that may have your data.
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To stop unwanted mail from third-party marketing lists.
www.ddmachoice.org (Fee:$1.00, good for 5yrs)
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​Data has shown that opting out of trigger leads can sometimes improve your credit score by 10-15 points by reducing unnecessary inquiries or risks of fraud.
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(and What You Can Do About It)
Credit bureaus don't just report your credit - they profit off it.
They sell your data to:
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Auto and Mortgage Lenders
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Credit Card Companies
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Insurance Agencies
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Debt Collectors
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Payday Lenders
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...and many more!
​Until tighter consumer protections are passed into law, opting out is the best way to stay in control of your personal financial data.
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You're about to make one of the biggest financial decisions of your life.
Don't let unsolicited calls, scam collections, or shady offers get in the way!
We're here to protect and empower you every step of the way.
If you'd like to talk through the process before opting out - just reach out!
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