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Credit Check Disaster: How One Click Can Flood Your Phone with Spam!

Are spam calls flooding your phone after a credit inquiry? Whether you're planning to buy a home or just curious about your credit status, understanding why and how your personal information is being used is crucial. In this video, we'll dive deep into the reasons behind those annoying spam calls and provide concrete steps to stop them. 🔍 What You'll Learn: 1. Understanding the Source of Spam Calls Credit Inquiries Explained: Discover the difference between hard and soft credit inquiries and why they matter when you apply for a mortgage. Credit Reporting Agencies: Learn how TransUnion, Equifax, and Experian play a role in your financial life by storing and potentially selling your data. Legalities of Data Selling: We clarify how and why your data can legally end up in the hands of marketers. 2. Opting Out of Unsolicited Offers Opt-Out Mechanisms: Understand how opting out at OptOutPrescreen.com can reduce unwanted contacts. Permanent vs. Temporary Opt-Outs: Choose between a 5-year or a permanent opt-out to stop prescreened credit and insurance offers. 3. Additional Measures to Prevent Spam Calls Do Not Call Registry: A step-by-step guide on how to use DoNotCall.gov to block unwanted calls. Extra Safety Tips: Tips on safeguarding your personal information and using call-blocking technology to keep spammers at bay. 🛑 Tired of unwanted calls? This video is your ultimate guide to gaining peace and privacy back. Follow our easy steps and say goodbye to spam calls once and for all! 👍 Like this video? Hit that Like button! ➡️ Subscribe for more helpful guides and tips. 📢 Share with anyone who might benefit from this information. 📝 Comment Below: Have you tried any of these methods? Share your experience or ask questions below! #SpamCalls #CreditInquiry #FinancialPrivacy #OptOut #DoNotCall #StopSpamCalls #CreditScore #MortgageTips #PersonalFinance Do Not Call Registration: https://bit.ly/DoNotCallLists Opt Out Presreen: https://bit.ly/OptOutPrescreens 00:00 - 00:36 Introduction: Why You're Getting Spam Calls After a Credit Check 00:36 - 01:12 How Your Information Is Sold to Mortgage Companies 01:12 - 01:43 Preventing Spam Calls and the Role of Credit Bureaus 01:43 - 02:15 Difference Between Hard and Soft Credit Inquiries 02:15 - 02:49 Why Lenders Use Hard Credit Inquiries 02:49 - 03:17 Consumer Protection: 45-Day Shopping Window for Mortgages 03:17 - 03:51 Why Credit Bureaus Sell Your Data Without Consent 03:51 - 04:24 National Do Not Call Registry: How to Register 04:24 - 04:56 Benefits of Using the Do Not Call Registry 04:56 - 05:24 OptOutPrescreen: Stop Receiving Spam Emails and Offers 05:24 - 06:04 OptOutPrescreen: How It Works and What to Expect 06:04 - 06:34 The 5-Year Limit and the Importance of Opting Out 06:34 - 07:00 Closing Remarks: Links and How to Protect Yourself ► ► Get Pre-Approved With My Team → https://bit.ly/ApplyToday_VA ► ► Get Your Certificate of Eligibility → https://bit.ly/COEreview 🏦 FREE Loan Estimate REVIEW → https://bit.ly/EstimateReview DISCLAIMER: The content of VA Housing Education at Waterman Bank is meant for educational purposes only. We will not extend credit of any kind without speaking to a loan officer. Any calculations should be verified independently. This website should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. The views expressed on this site and videos are those of the individual author and do not necessarily represent those of Waterman Bank and are not intended to provide legal or compliance advice. VA Housing Education at Waterman Bank is not affiliated with or approved by the VA, FHA or any other government agency. Contact Waterman Bank for your lending needs.