When you embark on the journey of homeownership, the process often starts with a credit check. Many consumers are unaware that, after this credit pull, their details may be sold to multiple lenders & marketing agencies. The consumer credit reporting companies (Equifax, Experian, Innovis, and TransUnion) are permitted by the Fair Credit Reporting Act (FCRA) to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that you did not initiate. The FCRA also provides you the right to opt-out (more on that below), which prevents the consumer credit reporting companies from providing your credit file information, known in the industry as a "trigger lead".

Unsolicited communications can be more than a mere inconvenience. They can make you question the security of your personal information, and wonder who truly has access to your sensitive data. In a world where information is power, shouldn’t you decide who has a seat at your table? Opting-out provides: 

☆ Peace of Mind: No more unsolicited calls or emails interrupting your day

☆ Privacy Protection: Ensure personal details are not shared without your consent

☆ A Focused Journey: Work with us without distractions from other lenders