The latest news about getting your credit checked for a home loan is "inquiry data" that the credit bureaus have on file.  This information is being sold by the credit bureaus (after you pay them) to other lending companies, and it allows them to resell your information.  Adding to the risk of identity theft and also causing a maelstrom of junk mail for the borrower looking for a home loan.  

I am posting the link for you to take action and opt-out take advantage of this today and give this link to all your family and friends.  I found it to be more effective than even the "do-not-call" list.

To opt out: You can contact them by phone at 1-888-567-8688 or online at www.optoutprescreen.com You must opt out at least 48 hours prior to having your credit checked to make sure it is processed in time. You can choose a five year or lifetime option, and the lifetime option does require a signed form. If a credit report needs to be run prior to the 48 hour waiting period - at least you are aware and informed and can be on the lookout for strange mail and offers.

-Rain Wallace

Mortgage Officer

Citywide Home Loans

(801)747-2474