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:

Aggressive telemarketing calls
Confusing bait-and-switch offers
Junk debt scams or collection fraud
Even a potential drop in your credit score

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:

Endless sales calls from various call centers
False offers that use your credit data to trick you
Old, inaccurate debts suddenly appearing on your report
Added stress during your home search or loan approval process

You can opt out of trigger leads in minutes by visiting:

www.OptOutPrescreen.com

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.

While your at it, Stop the Phone Calls Too

National Do Not Call Registry:

Register your phone Number(s) to stop calls from companies that may have your data.

www.donotcall.gov

To stop unwanted mail from third-party marketing lists.

www.ddmachoice.org (Fee:$1.00, good for 5yrs)

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.

(and What You Can Do About It)

Credit bureaus don't just report your credit - they profit off it.

They sell your data to: