3rd Quarter, 2023
OPTING OUT OF OFFERS AND MONITORING YOUR CREDIT
by
T O D D A DA M S
chief executive officer
W
It is important to note that OptOutPrescreen.com is the only internet website authorized by Equifax, Experian, Innovis and TransUnion for consumers to opt out of pre-screened offers of credit or insurance. Be aware that Opt Out Prescreen does not make outbound Under the Fair Credit Reporting Act (FCRA), companies phone calls. If anyone calls like Equifax, Experian, Innovis to ask you to opt out, simply and TransUnion are permitted hang up. HELPFUL RE SOURCE S: to include borrowers’ names on lists used by creditors or We’d also like to remind For your convenience, scan these codes with insurers to make pre-screened you of the importance of your cell phone camera to access the sites. offers of credit or insurance monitoring your credit www.OptOutPrescreen.com that are not initiated by the reports on a regular basis. Opt out of receiving unwanted borrower. Under federal law, you’re pre-screened credit offers for entitled to a free copy of Here at the bank, we never pass your credit report every 12 five years. on your credit file information. months from each of the three Unfortunately, we’re not the nationwide credit bureaus. only ones with access to this www.AnnualCreditReport.com Changes to your credit report information. Because your Receive your free annual credcan signal identity theft and name appears on these lists, it reports at this website or call fraud. you may be bombarded with 1-877-322-8228. phone calls, texts, and emails You can order your free reports with additional offers of preat the same time or stagger screened credit very quickly. Some of our customers your requests throughout the year to get a broader report getting over 200 calls within a couple of days picture. of applying for a mortgage. Other advertised domains may refer to “free credit If you do not want to receive these offers, you have reports,” but they may not be free. The only ways to the right to “opt out.” By completing the online form order your free annual credit reports are outlined in at www.OptOutPrescreen.com, you may opt out of the center of this article. If you get an email or pop-up receiving firm offers for five years. Opting out will ad that claims to be from AnnualCreditReport.com or not affect your ability to apply for credit or insurance. any of the credit bureaus, don’t reply or click on the links. It’s likely a scam. If you know you’ll be applying for credit for a large purchase soon and you don’t wish to be solicited for Helping you protect your financial information is an other offers, you can proactively opt out before applying. important part of our relationship. Please reach out It typically takes 14 business days to be removed from to your local branch with any questions. the lists.
hen you apply for a mortgage or other types of credit, certain documents are required by law to be filed, and they become publicly available to various entities.
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