During the Mortgage Process

When you’re making a major purchase that requires a credit pull — like getting a mortgage or buying a new car — the credit bureaus (Equifax, Experian, Innovis and TransUnion) are allowed to add your name and details to marketing lists used by creditors or insurers, who then contact you to make offers of credit or insurance. This is why you start getting so many calls when you’re securing a mortgage.

Many people are unaware that you can protect yourself from the unwanted and confusing onslaught of calls by telemarketers. The way to do this is through OptOutPrescreen.com, which is the only secure, authorized website to help you opt-out of being on these lists and getting bombarded by calls and credit/insurance offers. You should not provide any personal information to other websites, people, or companies claiming to provide this type of opt-out.

Here’s how to stop allowing your credit information to be used by telemarketers:

• Head to OptOutPrescreen.com and click on the “Click Here to Opt-In or Opt-Out” button
• Prepare to submit personal information and follow the steps on the website
• Note that the online option will keep you off these lists for five years, while mailing in the opt-out request permanently removes you from these lists
• You can also complete this process via phone by dialing 888-5-OPT-OUT (888-567-8688)
• Your request becomes effective with the credit bureaus within five days. You may continue receiving offers from companies that do not use Consumer Credit Reporting Companies to compile their marketing lists.

Without following the above steps to opt-out of this invasive marketing, you will likely also get calls from competing companies attempting to offer “rates.” These are usually misleading bait-and-switch tactics that can be detrimental to your home loan process.

If you ever suspect the caller isn’t from Sente Mortgage, ask them questions they should know the answer to (like the name of your Mortgage Banker). If they’re unable to provide the correct information, they’re not with Sente.