There is a new practice out there called “trigger list marketing” that Clark wants you to know about. It’s a new way the credit bureaus have thought up to make money off you. Basically, they sell all kinds of personal information about you including how much your home is worth and how much you owe on it. So, if you’re getting intrusive letters and phone calls from lenders who know way too much about you, it’s because of the credit bureaus. The courts are now involved and are trying to determine if the bureaus are acting illegally. But in the meantime, you can destroy the ability for credit bureaus to build dossiers on you. All you have to do is “opt out” of the programs. You can do it on the Web site optoutprescreen.com or you can call 1-888-567-8688. You want to do this anyway when you move. But it’s important to do it now to avoid being put on trigger lists.