OPTING OUT OF SPAM & TRIGGER LEAD CALLS DURING YOUR MORTGAGE PROCESS

When you apply for a mortgage, the credit bureaus may sell your information to other lenders and insurance companies. This can result in unwanted phone calls, texts, and mail offers—commonly known as trigger leads. While legal, they can be frustrating and confusing when you’re already working with a trusted mortgage broker.
Fortunately, you can stop these solicitations by opting out through the official website: www.OptOutPrescreen.com.

Steps to Opt-Out
Visit the official site● Go to www.OptOutPrescreen.com.
Start the process● Scroll down and click on the button titled “Click Here to Opt-In or Opt-Out.”
Select your opt-out option● Electronic Opt-Out (5 Years): Submit online and stop prescreened offers for five years.● Permanent Opt-Out (By Mail): Print, sign, and mail in the form for permanent removal. Then click “Continue.”
Provide your information● Enter your full name, Social Security number, date of birth, and current address.  Tip: Be sure to enter your name exactly as it appears in the credit bureau database. Your information is confidential and used only to process your request.
Confirm your request● Click “CONFIRM” to submit the form.
What to Expect● It normally takes up to 5 days before unsolicited calls and mail stop.● We recommend completing this step early in the loan process, so your opt-out is active by the time your credit report is pulled.● Opting out does not affect your credit score or your ability to qualify for a mortgage—it only stops unwanted solicitations.
Borrower Tip: Taking this quick step helps keep your focus on buying your home, without the distraction of competing lenders calling you.