Before You Begin

Start Addressing Your Credit

OPT OUT NOW OR YOUR PHONE WILL BE BLISTERING HOT WITH UNWANTED CALLS!

1. Visit: optoutprescreen.com
2. Scroll to the bottom and click “Click Here to Opt-In or Opt-Out”
3. IMPORTANT: Select Electronic Opt-Out for 5 years
4. Fill out the form completely

Register on the Do Not Call Registry

1. Have your email open and ready
2. Go to: donotcall.gov
3. Confirm the verification email as it arrives

Get Your Free Credit Reports

1. Visit one of these links:
   • Consumer Finance Guide
   • Annual Credit Report
2. Click “Request your free credit reports”
3. Complete the forms for all 3 credit bureaus
4. Print reports to PDF via your browser
5. IMPORTANT: Dispute any questionable items with a simple sentence: “I did not authorize this.”