The credit bureas (Experian, Transunion, Equifax) are in the business of selling leads. When an inquiry is made on a borrowers credit file it acknowledges that the borrower is more than likely applying for a loan. If the borrowers credit history passes certain criteria, this data is shared with lender willing to pay for it.
After requesting your credit report, you may start receiving multiple solicitations by phone, text or email. They are competing lenders who will tell you they can offer better rates and service. Rest assured, that as an independent mortgage broker, we have shopped for the best loan for your specific scenario. If you have any hesitation, please ask us any questions.
Your Loan Officer is your main point of contact, who will communicate with you directly and alert you of any 3rd party correspondence. We only share information with your permission to process your specific loan transaction. We do not have any affiliates.
To remove your name (opt out) from unsolicited, prescreened mailing lists for all three nationwide consumer credit reporting agencies, please contact:
- Call (888) 5 OPT OUT or (888) 567-8688
- Or go online to www.optoutprescreen.com
If you believe you have been a victim of credit fraud:
National Do Not Call Registry
The Federal government created the national registry to make it easier and more efficient for you to stop getting telemarketing calls you don’t want. You can register online at WWW.DONOTCALL.GOV or call toll-free, 1-888-382-1222 (TTY 1-866-290-4236), from the number you wish to register. Registration is free.
The Federal Trade Commission, the Federal Communications Commission, and the states are enforcing the National Do Not Call Registry. Placing your number on the registry will stop most, but not all, telemarketing calls.
Contact us with any questions or concerns. Thanks again for your trust.