The flood of spam calls you receive after applying for a mortgage isn't random — it's deliberate. The moment a lender pulls your credit, the major credit bureaus (Equifax, Experian, and TransUnion) legally sell your information to competing lenders through a program called pre-screen trigger leads.
The good news? You can opt out of credit bureau pre-screen offers in under two minutes using the federally authorized opt-out program. Once complete, your information can no longer be sold to lenders shopping for mortgage leads.
STX Lending believes you deserve a stress-free mortgage process — so we're sharing this free tool every client should know about.
Visit OptOutPrescreen.com
The only federally authorized opt-out site
Click the opt-out link on their homepage
Scroll to the bottom of their home page
Complete the short form with your info
Takes effect within 5 days — lasts up to 5 years
That's it! Consider this our first gift to you — a more peaceful mortgage journey starts before your first call with us.
Understanding the problem helps you protect yourself and make a more informed mortgage decision.
Under the Fair Credit Reporting Act (FCRA), credit bureaus are permitted to sell your information to lenders when you've recently had a hard inquiry — unless you specifically opt out.
Competing lenders purchase "trigger lead" lists daily. You can start receiving calls within hours of your credit being pulled — even before you've had a chance to talk to your chosen lender.
The online opt-out lasts 5 years. If you mail in the form, your opt-out is permanent. You can opt back in at any time if you want to receive credit offers.
We believe your mortgage journey should be calm and empowering — not a gauntlet of pushy sales calls. That's why we proactively share this opt-out tool with every client, and why your personal information will never leave our hands.
Start Your ApplicationNo. Opting out of pre-screen offers has absolutely no impact on your credit score. It only prevents credit bureaus from sharing your name with marketers — it does not affect your credit report or score in any way.
The opt-out takes effect within 5 business days. Some calls may continue briefly while lenders cycle through lists they've already purchased, but the volume should drop significantly within a week.
Yes. OptOutPrescreen.com is operated jointly by Equifax, Experian, TransUnion, and Innovis — the four major credit bureaus — as required by the Fair Credit Reporting Act (FCRA). It is the only federally authorized site to submit your opt-out request.
Absolutely. You can reinstate your name to pre-screen lists at any time by visiting OptOutPrescreen.com and submitting a request to opt back in.
You've taken the first step to protect your privacy. Ready to experience the most transparent mortgage process in Texas?