BEFORE YOU APPLY FOR A MORTGAGE OR HOME EQUITY LINE
The major credit bureaus, Experian, Trans union and Equifax are now selling lists to Lenders.
Your name is on the list as soon as you apply for any type of mortgage.
This information contains detailed consumer data and is sent to Lenders as soon as you apply for a mortgage and have your credit checked. Those other Lenders will then contact you and try to sell you a mortgage loan. These loans are typically costly ones.
If you don’t want unsolicited Mortgage Lenders to contact you, there is good news. You can protect yourself and your information by Opting Out of this new process. In one simple phone call, you can be removed for a period of five years, or permanently ,whichever you choose.
At least 24 hours before you apply for any mortgage (purchase, refinance or equity line)
Call 1-888-5-OPTOUT (1888-567-8688) and provide the requested information to enable this service.
In addition to being removed from lenders lists, you’ll also be able to eliminate annoying pre-approved credit card offers from coming in the mail where they can be stolen by thieves.
If you haven’t already, you can also register with the National Do Not Call Registry by logging on to http://www.donotcall.gov/ This will stop annoying phone calls from telemarketers.
So if your thinking about any home PURCHASE or REFINANCE in the future, MAKE THESE CALLS FIRST. Then call me for a mortgage quote or if there is anything else I can help with now or in the future.
Melissa Cooledge
First Choice Home Loans
20 Glendale Circle, Scarborough, Me 04074
Cell - 207-749-4588
E-Fax -866-449-3403
Apply online @www.firstchoicehomeloans.org
Email: firstchoice@maine.rr.com
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