Charlotte Home Owners Can Reduce Their Junkmail

Here is a quick tip for Charlotte Home Owners and Charlotte Home Buyers to use to reduce their junk mail and to stop marketing calls during dinner:

1. Visit www.optoutprescreen.com. When you visit the website, you will be asked to provide certain personal information, including your home telephone number,
   name, Social Security number, and date of birth. The information you provide is confidential, and will be used only to process your request to opt out. Don’t enter any personal information until you have checked for indicators that the
   site is secure – a lock icon on your browser or a web address that begins https.Opting out of prescreened offers does not affect your ability to apply buy a home in Charlotte or from refinancing the mortgage on your Charlotte house. Your opt out request will be processed within five days, but it may take up to 60 days before the prescreened offers stop coming. If you have a joint mortgage, both parties need to opt out to stop the prescreened offers.
2. Put your phone number on the federal government’s National Do Not Call Registry to reduce the telemarketing calls you get at home. To
   register your phone number or to get information about the registry, visit www.donotcall.gov. You will get
   fewer telemarketing calls within 31 days of registering your number. Your number stays on the registry for five years, until it is disconnected, or until you take it off the registry.That said, the FTC wants you to know that many companies use other tools to identify marketing prospects, and that the Do Not Call Registry won’t shield you from all telemarket­ers.  Even if you opt out of prescreened offers and put your number on the National Do Not Call Registry, you can expect some unsolicited offers.

The Credit Bureaus, Transunion, Equifax, and Experian, have decided to make a few more bucks by selling your information to marketing firms when your credit report is run.  This is known as a “Trigger Lead”.  Unscrupulous mortgage companies have been know to buy these trigger leads and then call Charlotte home buyers posing as mortgage lenders that were asked to take over your loan application.

If you get a random marketing call about refinancing your Charlotte Mortgage or buying a house in Charlotte, you might expect that a Credit Bureau put your name on their trigger lead list.  Using OptOutPreScreen.com and DoNotCall.com to keep this from happening.

For the best mortgage experience for Charlotte Home Buyers or Charlotte Home Owners looking to refinance, be sure to deal only with a local, dedicated, mortgage professional such as Fairway Independent Mortgage.