Mortgage and Real Estate Blog


Credit Bureau - Selling your privacy!


There is a horrible marketing trend called "trigger lists" that the Credit Bureaus are selling to invade your privacy!

The credit bureaus have found another way to increase their revenue at your expense, and WITHOUT YOUR PERMISSION.

Having credit checked is an important and necessary step in the home buying process, as well as something that is done for many other legitimate reasons.  Each time your credit is checked, an “inquiry” is generated on your personal credit report. This is an anti-fraud device, and the inquire only stays on your report for 90-days.
Credit Score - how it is calculatedThe credit bureau’s are now selling your “inquiry data”, including name, address, phone number (even unlisted), credit score, current debt, debt history, property information, age, gender, and estimated income.  They are selling all this personal and confidential information to anyone who writes them a check!
On the mortgage side, they sell your name to lenders who purchase these leads at a premium price. These lenders then will do, and say, just anything they can to "win your business", recoup their investment, and turn a hefty profit. Bait and switch tactics are being used to lure clients away from their reputable lender. Many of our clients have even been called by these disreputable lenders and told that the lender they had been speaking to previously “passed on” the information to them!

Follow us on FacebookIt is sad. Within just hours of us pulling your credit report, you will start getting bombarded with phone calls and letters in your mailbox. Who are these people? Well, the vast majority of the time it is NOT the lender you would have picked on your own!

The good news is you can make it stop immediately.  The consumer credit reporting industry has provided a way to “opt out” and remove your name from these lists.  You can contact them by phone at 1-888-567-8688 or online at
You certainly have the right to shop for the best professional to meet your lending needs. But this should be done on your terms, when and how YOU chose, not by aggressive telemarketers! Unfortunately at this time, these unsolicited marketing tactics are a nuisance and intrusive, but perfectly legal. Our company and my team are doing everything in our power to limit these credit report abuses. We suggest you call your representatives to let them know how you feel too.
Take the time to protect yourself from identity theft and unwanted solicitations. OPT-OUT NOW!


If you have questions about the process for homes in MN or WI ONLY, please call 651-705-6261, or APPLY ONLINE 24-hours a day via our secure application. There are no costs or obligations.


Joe Metzler is a Certified MN Mortgage Specialist (MMS). He and his team at Mortgages Unlimited are proud to provide home mortgages loans for First time home buyers in Minnesota and Wisconsin.

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Comment balloon 5 commentsJoseph Metzler • May 10 2010 12:29PM
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