Here's the website you want to visit: http://www.optoutprescreen.com/. Everyone, go there once you're done reading this.
Did you know that when you apply for a mortgage the credit bureaus, Experian, Equifax, TransUnion, sell your name and information? Oh yeah, there are thirsty, thirsty mortgage brokers out there just licking their chops waiting to find out that you just applied for a mortgage, and pay big bucks for that information. If you are not on the Federal "do not call" list, just forget about picking up your phone. People like this are looked on as bottom feeders in the mortgage industry, and if they use these kind of tactics to find out who you are, don't you think they are going to tell you anything to get you to use them as well?
Or...do you open your mail and have a flood of credit card offers, personal loans, refinance offers, etc, that you have not one iota of interest in. How do you think these companies know you can be approved for all these different credit accounts? That's right, your same friendly credit bureaus, who determine what your credit score is, will gladly, for a price, give up much of your personal information.
The good news? You can stop it. While it may not be as well known as the Federal Do Not Call list, there is a similar service for your credit. At http://www.optoutprescreen.com/ you have a legal right to opt-out of pre-screened credit offers. Save yourself some aggravation, and some trees from all that junk mail, opt-out today!
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