Whenever a mortgage broker or lender runs your credit report, the three major credit bureaus - Trans Union, Experian, and Equifax� - sell your contact information to direct mail and telephone solicitors.� This, of course, results in a stream of junk mail and calls with offers of pre-approved loans.� Different lending trade groups, including the National Association of Mortgage Brokers, have been trying to stop this, so far unsuccessfully.� However, there is a way for consumers to opt out of receiving these solicitations.� When you do so, you are simultaneously opted-out of receiving pre-approved offers for other credit such as credit cards.� I am now asking my clients if they want to opt out of receiving these solicitations, and then I am going online and taking care of it for them myself.� So far, no one has declined the offer, and several clients have asked me for the url so that they can forward it to others they know.� The url is http://www.optoutprescreen.com.� The information needed to opt out is name, address, ss#, and date of birth.� I got this information from a recent New York Times business article in the Your Money section by Damon Darlin, “Don’t call. Don’t write. Let me be.”, that also listed several other ways for taking your name off of call and mailing lists.