When clients apply for a mortgage, one of the first surprises they face isn’t just paperwork—it’s the sudden flood of calls, emails, and letters from other lenders. This happens because a credit inquiry can trigger prescreened offers from competing financial institutions. While these offers may look legitimate, they often create unnecessary confusion and frustration during an already stressful time.
Fortunately, there’s a simple solution: opt out.
What Does “Opt-Out” Mean?
When you opt out, your name and contact information are removed from the prescreened lists that credit bureaus share with lenders and insurance companies. This helps stop those unsolicited offers before they start.
You can easily do this by visiting optoutprescreen.com or calling (888) 567-8688. You also have the option to:
- Opt out for 5 years or permanently
- Register your phone number with the Do Not Call Registry at donotcall.gov
👉 Important Tip: The best time to opt out is before your credit is pulled.
Check with Your Lender or Mortgage Broker First
Before you take any action, it’s always a good idea to check with your lender or mortgage broker. They can confirm whether opting out is the right move for your specific situation and help ensure the process doesn’t interfere with your loan application or timing.
Why It Matters
Opting out won’t affect your ability to apply for credit or impact your credit score—it simply protects your privacy and keeps your focus on the lender you trust.
So, before you start your mortgage journey, take a few minutes to opt out (after checking with your lender, of course). You’ll thank yourself later when your phone stays quiet, your mailbox stays clear…
If you’re considering a move or investment and require a trusted Real Estate Broker, we’re here to assist you. Contact us via email at TEAM@McDanielCallahan.com, complete the form below, or give us a call at 925-838-4300. We are ready to provide expert guidance and support for all your real estate needs. Terry McDaniel DRE License #00941526
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