Have you ever applied for a home loan with a trusted mortgage lender just to have some other mortgage company call you within minutes offering you the same loan?

If you have:  You have been a victim of what I consider an unethical but legal practice in the mortgage industry called "Credit Hijacking".   

I have not had this happen to one of my clients in awhile, but it happens.  It usually follows by a phone call from my client wondering if I sold their information to other companies. 

My client usually feels like they have been "financially molested".  I have to then explain to them that our own government allows this practice due to a loophole under the fair credit reporting act.  The credit bureaus(transunion, equifax, experian and innovis) have the right to resell your personal information to other mortgage lenders.

Here is how to avoid this from happening to you:

The reason the credit bureaus have a loop hole is because the consumer has the right to opt out from these credit offers.  To opt out just visit the website:  www.optoutprescreen.com

You have 2 options:  Opt. out for 5 years or for life.  By opting out, it also helps protect your identity from theft because you will no longer be getting all those credit offers in the mail.  Mail theft is the easiest way for someone to steal your good credit and identity. 

We are unique people out there.  We expect better then "would you like fries with that drink".  I just have learned to use my Midwest values and transfer them into my mortgage business.  If you are looking for something a little more unique in your next mortgage loan, please do not hesitate to get a hold of me. 

My name is Gary Miljour and this is what I do best.