Did you know that when a credit report is pulled, the credit companies sell your information to telemarketers within 24 hours? You could be getting unwanted calls almost immediately. Crazy, but it is legal. You can opt out by calling (888) 5-OptOut or by going to www.optoutprescreen.com. By opting out, you also opt out of unauthorized credit checks. Any bank can request your credit history without your authorization and then “pre-approve” you for a credit card. When you opt out, banks can no longer prescreen you. This can be a great protection against future identity fraud as well.Information courtesy of Sofia Nadjibi, Union Trust Mortgage