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.