Opting out??

[chan85]

I am about to apply for a mortgage next month, should I consider opting out?? What are the benefits?? Will that affect my ability to get score updates, either on myFico or others (credit karma, credit sesame, etc)?

[pizzadude]

Opting out removes your name/address from promotional solicitations via creditors who buy information from the CRAs.

It may also provide some protections against the CRAs selling your information to CAs based on certain triggers like applying for a home loan.

It will not in anyway affect your ability to check/monitor/purchase your own credit reports and scores.

[wally101]

I was pre approved a while ago for an FHA loan. Been in the process of a long short sale purchase and things are finally moving along. I don't think I have any baddies waiting to pop up, but would hate to have one come up. So...should I OPT OUT? And is this the correct place to do so https://www.optoutprescreen.com/?rf=t Any down sides? Thanks in advance.