Credit Bureaus and Pre-screened Offers

If you apply for a loan with Patelco, we may request your credit report and score from one or more of the major credit bureaus (Experian, Equifax, and TransUnion). These credit bureaus can legally sell or share your credit information with 3rd party lenders. Because of that, you may receive unsolicited calls or offers from these lenders after a new credit inquiry (unless you have already opted out). Please know that Patelco does not sell your credit information. However, we cannot prevent credit bureaus from selling or sharing your credit information.

If you’d prefer not to receive offers
You may opt out of receiving offers from a specific company by contacting that company directly. You can also opt out of all prescreen offers.

To change your opt-in and opt-out preferences with the credit bureaus regarding prescreen offers, please visit optoutprescreen.com or call toll-free at 888-5-OPT-OUT (888.567.8688). The telephone number and website are operated by the major consumer reporting companies and are secure. When you call or visit the website, you will be asked to provide your telephone number, name, Social Security number and date of birth. The information you provide is confidential and will be used only to process your request to opt out.

What it means to opt out
Please bear in mind if you opt out via the process outlined above, you will no longer receive any prescreen offers for the time period you specify – including all types of loans (credit cards, personal loans, auto loans, mortgages, and HELOCs).

When your opt out takes effect
Please bear in mind that after opting out via the process outlined above, it may take three or more weeks for offers to stop.

This means that if you complete an application for a loan at or around the same time you opt out via the process outlined above, you may still receive pre-screened offers from other companies.

If you have further questions
If you have additional questions about an offer you receive from another company, please reach out to that company directly, or visit optoutprescreen.com for more information.

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