I’ve often received this question from borrowers, and I hope you will find this information useful. If you’ve ever received unsolicited calls from lenders after authorizing a credit check, you’re not alone. It’s a common frustration, and as your loan officer, I understand how invasive these calls can feel. While I’m unable to directly opt you out or stop credit agencies from selling your information, there are several effective steps you can take to minimize these unsolicited solicitations. Here’s how:

1. Opt Out of Prescreened Offers

One of the easiest ways to reduce unsolicited marketing calls is to opt out of prescreened credit offers. This means you won’t receive credit offers based on information from your credit report.

To opt out, you can:

• Call: 1-888-5-OPTOUT (1-888-567-8688)
• Visit: www.optoutprescreen.com

Both the phone line and website are operated by the major consumer reporting agencies. They will ask for some basic information to process your request, and you can opt out for:

• 5 years: A temporary solution.
• Permanently: If you prefer to eliminate these offers for good.

This simple step can help drastically reduce the number of unwanted calls you receive.

2. Place a Credit Freeze on Your Report

For maximum protection, you can place a credit freeze on your report. This prevents lenders from accessing your credit information without your explicit permission. By freezing your credit, anyone trying to pull your credit report—whether for a loan, credit card, or other financial services—will be blocked unless you lift the freeze yourself.

This can be a great option if you’re concerned about your personal information being shared or sold.

A Few Things to Keep in Mind:

• While opting out will reduce the number of unsolicited offers, it may not completely eliminate them. Some lenders may still access your information through other channels or methods that aren’t covered by the opt-out process.
• I do not share your private information with lenders or third parties. My goal is to build a trusted relationship and provide you with the best service possible. Rest assured, your privacy is a priority to me, and I’m committed to earning your business both now and in the future.

Final Thoughts

Taking these steps can significantly reduce the number of unsolicited marketing calls you receive. If you have any other questions or need assistance with these processes, feel free to reach out. I’m here to help guide you through every step of the lending process, and I’m always happy to provide tips for maintaining your privacy and peace of mind.