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3 minute read
Sold In Ojai
Homes Sold Last Month
A COMPARATIVE ANALYSIS OF RECENT HOME SALES
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Dale Hanson
Ojai Valley Real Estate
(805)646-7229 B.R.E. 01229522 Notary Public dale@ojaivalleyrealestate.com
Call me for your real estate needs. Residential, commercial, or business opportunity.
Great location for commercial business or restaurant. Large parking in back. The building is updated and very clean. Forced air and heating, 3 private offices. A bath room and small wet kitchen. Separate attached unit with 3/4 bath and private entrance and address. $775,000
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limit data flow, now! Tired of Having Your Data Sold? Fight Back!
By Therese A. Hartmann
Did you know that when your credit report is run, certain credit repositories (Equifax, Experian, Innovis and TransUnion) are likely to sell your personal stats? Yep, they can sell your data to entities who can solicit you via mail, email and phone.
Your credit score is a key indicator of credit worthiness and a good score can help you buy a home, get insurance, lease an apartment, purchase a car, etc. However, your name, date of birth, employment history and social security number are all included in a credit report making it imperative to know all the facts about this tactic.
Who do bureaus sell my information to?
Credit bureaus have the right to sell your information to certain companies offering “preapproved” or “firm” credit. Essentially, every time you get an offer in the mail for a “pre-approved” credit card, this is from data sold by one of the credit bureaus. It’s not only common practice, it’s legal. What’s not legal is for them to sell your personal information to be used in direct marketing, leaving a lot of room for shenanigans and unsolicited attention.
How do you limit data flow?
Although the bureaus aren’t breaking the law, you do have rights. You the right to opt out and can do this quickly and easily by visiting www.optoutprescreen. com. There you will learn how to “optout” permanently. This will protect your information indefinitely.
As a side benefit, you might stop receiving an endless stream of correspondence trying to get you to add another credit card. It might also prevent a shady outof-area loan officer from calling and using bait and switch tactics … something that can cause a lot of collateral damage.
If you have any questions about “optingout”, please feel free to call me for this and any other of your mortgage needs.
Therese A. Hartmann has 20 years’ lending experience. She is a Licensed Broker, California Dept. of Real Estate #01048403, NMLS # 298291, affiliated with C2 Financial Corporation. For a free consultation, call Therese today at (805) 798-2158.
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