How to Stop Telemarketing Calls After Your Credit is Pulled

 
 

Are you Getting tons of Calls, Emails and Texts for offers of New Credit or Insurance?

You may notice that as soon as your credit is pulled by a lender, you start to receive many many telemarketing calls, emails, text & even snail mail for offers of new credit or insurance. Why does this  happen?

Under the Fair Credit Reporting Act (FCRA), the three credit bureaus that report your scores,  Equifax, Experian, and TransUnion, are required to include your name on lists used by creditors/insurers  to make firm offers of credit or insurance. Due to your name being added to list, these calls start with  no end in sight, as you can be on these lists for years. 

While FCRA requires your name to be added to the caller list, they also allow the ability to “Opt-Out” of  these calls. As soon as you start working with a mortgage lender, you will want to take the steps to Opt Out of being added to the caller lists to minimize the amount of telemarketing calls you receive. You can also give your mortgage consultant permission to do option 1 for you.  

How to Opt-Out of these Calls

Go to this website. You can then decide to Opt-Out from receiving firm credit  offers for five years (electronically through their website) or opt-out permanently (by filling out the  election form and mailing in.) 




Article Written By: Kevin Berju, Branch Manager AFN

www.PhillyMortgageTeam.com 215-681-3587

American Financial Network NMLS # 137213


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Kevin Berju starts Philly Mortgage Team with over 25 years in the mortgage industry. Prior to working with residential and commercial mortgages, Kevin graduated with a business degree from Temple University, owned his own business, and worked as an agent for years in both commercial & residential Real Estate. With Kevin’s diverse knowledge of the real estate and mortgage industries, his clients are thoroughly guided throughout their home buying or refinance process. As a result of his knowledge, attention to detail, responsiveness to his clients, and exceptional work ethic, Kevin was awarded the Five Star Mortgage Professional recognition in Philadelphia Magazine for the past successive years as well as reaching the top 1% of all originators country wide since 2012 as designated by Mortgage Executive magazine.

As a mortgage professional for over 2 decades, Kevin is an invaluable resource for both first-time and experienced home buyers. With his accomplishment of the Certified Mortgage Planning Specialist designation, Kevin is placed in an elite group of the top 5% of mortgage professionals in the industry. Looking to Purchase or Refinance in Pennsylvania, New Jersey, or Florida? Kevin Berju is the Lender for You!


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info@venturephilly.com

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