Are you thinking of applying for a mortgage soon or in the future?
Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers").
These offers may result in mass phone calls and letters from credit companies.
Avoid these calls and credit offers by Opting Out
The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.
It may take a few months to fully opt-out and stop receiving firm credit offers.