PreScreened Offers from Other Creditors
FNBT is not selling or sharing your information. FNBT does not sell customer information and only shares customer information as required by law or in order for you to obtain credit. For example we do share information with credit bureaus to determine credit-worthiness. And, real estate transaction information is filed with local county clerk offices as required by law. There is also a federal law that allows creditors, including other mortgage companies to purchase and identify potential customers to market loan and insurance products. This is standard practice for credit bureaus to sell customer transaction information, such as recent pre-qualifications, which many mortgage companies purchase to market to these customers. Their overall goal is to market to you before you close on a loan with FNBT, hoping you will choose them for your mortgage needs instead.
Stop Solicitations from Creditors and Other Mortgage Companies
If you prefer not to receive prescreened offers for credit products, you can stop solicitors by following these helpful tips:
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Call 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com. When you call this toll-free number or visit the website, you'll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information provided is confidential, and will be used only to process the request to opt out of these offers. Don’t enter any personal information until you have checked for indicators that the site is secure – a lock icon on the browser or a web address that begins with https.
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NOTE: Opting out of prescreened offers does not affect the ability to apply for credit or to get it. Opt out requests will be processed within five days, but it may take up to 60 days before the prescreened offers stop coming in. If you have a joint mortgage, both of you need to opt out to stop the prescreened offers. If, or when, you want to opt back into offers, you can use the same telephone number or website.
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Do Not Call List -you can put your phone number on the federal government’s National Do Not Call Registry to reduce the telemarketing calls that you get at home. To register a phone number or to get information about the registry, visit www.donotcall.gov, or call 1-888-382-1222 from the phone number you want to register. You will get fewer telemarketing calls within 31 days of registering. Each registered number stays on the national registry for five years, until it is disconnected, or until it is taken off of the registry.
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That said, the FTC wants people to know that many companies use other tools to identify marketing prospects, and that the Do Not Call Registry won’t shield you from all telemarketers – for example, those with which you have a business relationship or those conducting marketing research. So it's important to remember even if you opt out of prescreened offers and put your number on the National Do Not Call Registry, you can expect to receive some unsolicited offers on occasion.