Your Privacy Matters
Yakima Federal does not sell your information to any third party for marketing purposes.
In the loan application process, we will ask for your credit report and score from the big three credit bureaus (Experian, Equifax, TransUnion) while assessing your loan application. The credit bureaus have ‘event-based trigger’ programs that can pick up on any changes in your credit history, like shopping for a mortgage. Because of that, other creditors may attempt to win your business prior to the closing of the loan by purchasing information about you from the credit bureaus.
Event-based trigger programs are allowed and comply with Fair Credit Reporting Act regulations. Lenders may buy lists of your name, address, inquiry type, credit score, and other additional data attributes. Phone numbers might also come from a third-party source.
You may opt out of pre-screened offers of credit and insurance for five years or permanently. Start the process by calling or go online:
Phone: 1-888-5-OPTOUT (1-888-567-8688)
When you make contact, you will be asked to provide some personal info, such as your home phone number, name, Social Security number, and date of birth – all in strict confidence for the purpose solely of processing your request to opt out.
You may also want to opt-in to the national do not call registry: donotcall.gov.
If you and a spouse, partner or other adult are jointly linked to credit, such as a mortgage or a car loan, you may still receive pre-screened offers until both of you opt-out. Note that opting out has no impact on your credit score nor will it prevent you from obtaining credit or insurance. Usually, the opt-out requests are processed within five days but up to two months may pass before the pre-screened offers stop arriving. Calling the provided number or visiting its website is all that’s needed in order to put an end to these solicitations generated by major consumer reporting companies.
Unfortunately opting out can’t prevent solicitations from local merchants, religious & charitable associations, professional and alumni associations and firms with which you already have business dealings. To cease being sent mail from any such groups along with mail addressed ‘occupant’ or ‘resident’, you’ll need to contact each source individually.