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Pamela Berns, Sr. Mortgage Consultant

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Getting a home loan but Don’t want a bunch of junk mail/offers?

March 13, 2019 By pamberns

Go to WWW.OptOutPreScreen.com to get your name off of the three credit reporting agencies farm sale list.  Yes, they SELL your information to creditors who want to see who is considering a home loan whether it be a refinance or a purchase of a home.  Just the process of a Bank or Mortgage professional pulling your credit can trigger a bunch of offers and junk mail. They sell your information to other creditors. If you go to that web link address to Opt-Out you can do it with a few clicks for 5 years or write in to the address provided and opt out for life.  I have seen this improve individual credit scores a few points due to being taken out of the system for receiving all those offers (it’s a slightly higher risk category since you may take them up on those offers of more credit).  Besides that, if you want to buy a house, you shouldn’t be applying for nor opening any new credit cards.  Most of the offers will come from on-line banks and untrustworthy sources so it’s best to cut off as much of that activity as possible.  Credit score up a few points and not as much junk mail – this is a good thing.

Filed Under: Blog, Closing Loans

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