Opt-out to protect your credit rating!

Are you aware that your information is probably being sold on a regular basis and it could have some negative effects to your overall credit.  Clients often ask me if their information will be kept private. We will not sell your information, but most people are unaware that the credit bureaus most likely will.   The good news is you can opt-out and avoid these negative experiences.    

​Not opting out can lead to several negative results including:  

• Your credit score can drop 
• Annoying telemarketer phone calls
• Junk Debt and Collection Company Fraud

           There is a solution  Go to www.optoutprescreen.com to protect yourself. 

Avoid those Pushy Nagging Phone Calls, Emails and Junk Mail Letters!! 

HOW DO YOU STOP TRIGGER LEADS? 
There are three ways to stop trigger lead harassment:

• Immediately Sign up for OptOutPrescreen. This will stop the four credit bureaus, Equifax, Experian, Innovis and TransUnion from selling your name as a trigger lead.  Opting out puts a stop to trigger leads for five years.  Visit >>>  www.OptOutPrescreen.com,      The whole process only takes a couple of minutes! 

​You can also protect yourself even further – 

• Put your name and phone number on the National Do Not Call Registry. You can register any of your phone numbers including your cell phone number. It takes 31 days for this to become effective so the sooner the better. Make a note to re-register every five years because the order expires at the end of five years.                  
• To prevent 3rd parties from sending you direct mail, you will need to register with the ​Direct Mail Association. ​Whether you register online or through the mail, it will cost you $1.00, which can be charged to your credit card. Register early because the DMA distributes its lists quarterly, so it could take a while to become effective. This registration is good for five years.  These steps may not stop all of the solicitations as your name may have been included in prior lists but this should help slow it down and eventually end the harassment.

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Reports indicate that by opting out, you can add 10 to 15 points to your credit score! 

You can opt-out of receiving them for five years or opt-out of receiving them permanently.
To opt-out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.
To opt-out permanently: You may begin the permanent Opt-Out process online at www.optoutprescreen.com.

To complete your request, you must contact each bureau and return a signed Permanent Opt-Out Election form, which will be provided after you initiate your online request. (I would opt out online also to immediately remove your info)

• When you call or visit the bureau website, you’ll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. (The information you provide is confidential and will be used only to process your request to opt-out.)
• If you don’t have access to the Internet, you may send a written request to permanently opt out to each of the major consumer reporting companies. Make sure your request includes your home telephone number, name, Social Security number, and date of birth.

https://www.optoutprescreen.com/