This seems a silly question, but I'd rather hear back from a few people before acting on it. We are very nearly finished with a USDA loan and expect to close around 2/15. My credit has come quite a ways in the last several months. I try to stay on top of monitoring it. That said, I neglected to opt out of prescreened offers up until now. It seems like a really good idea though. Would doing this right now have any affect on my mortgage process?