Avoid the Harassing Calls: Why You Should Opt Out Before Running Your Credit

If you’ve ever applied for a mortgage or other loan, you may have experienced an overwhelming flood of unsolicited calls from lenders and credit companies. These calls can be relentless, coming at all hours and from unknown numbers, leaving you feeling frustrated and pressured.

At American Lifestyle Properties, we prioritize protecting our clients from unnecessary stress, which is why we always recommend visiting OptOutPrescreen.com before having your credit pulled. Here’s why opting out is a crucial step in the homebuying or refinancing process.

What Happens When You Run Your Credit?

When you apply for a mortgage, the credit bureaus—Experian, Equifax, TransUnion, and Innovis—track that inquiry and categorize you as a potential borrower. Unfortunately, they also sell your data to lenders and solicitors who see you as a hot lead and will bombard you with calls and offers. This process is known as a trigger lead, and it’s a major source of those unwanted calls.

How OptOutPrescreen.com Helps

OptOutPrescreen.com is the official website where you can remove your information from the lists credit bureaus sell to lenders and marketers. By opting out, you prevent your data from being sold and significantly reduce the number of unsolicited mortgage offers you receive.

You have two options:

1. Electronic Opt-Out (5 Years) – You can submit a request online to stop prescreened credit offers for five years.
2. Permanent Opt-Out – By completing and mailing a form, you can permanently remove your name from these lists.

Benefits of Opting Out

• Stop the Harassing Calls – No more aggressive lenders trying to sell you loans you don’t need.
• Protect Your Privacy – Keep your personal and financial information from being shared and sold.
• Avoid Confusion – Some solicitors may mislead you into thinking they are affiliated with your mortgage lender.
• Stay Focused on Your Mortgage Process – Work with your trusted loan officer without distractions.
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When Should You Opt Out?

For the best protection, we recommend opting out at least a few days before your credit is pulled. This ensures your information is not shared before your mortgage application is processed.

Take Control of Your Mortgage Experience

Buying a home or refinancing should be an exciting and stress-free process. By taking a few minutes to visit OptOutPrescreen.com, you can prevent unnecessary distractions and stay focused on what truly matters—getting the best mortgage for your needs.

At American Lifestyle Properties, we’re here to guide you every step of the way. If you have any questions about the mortgage process or how to protect your privacy, don’t hesitate to reach out. We’re always happy to help!

We are not sponsored nor affiliated in an way with optoutpresceen.com*