If you've ever applied for a mortgage and suddenly found yourself bombarded with calls, texts, or emails from unfamiliar lenders, you're not alone. What you experienced was likely the result of a "trigger lead."
What Are Trigger Leads?
Trigger leads are a marketing tool used by some lenders and credit bureaus. When you apply for a mortgage and authorize a credit check, the major credit bureaus (Experian, TransUnion, and Equifax) may flag that activity and sell your information to other mortgage lenders. These companies use your recent inquiry as a "trigger" to reach out and compete for your business—often within hours of your application.
These leads can result in dozens of unsolicited contacts from companies you've never heard of. Some might sound aggressive or misleading, which can be unsettling, especially during an exciting homebuying journey.
Why Does This Happen
When lenders pull your credit for a mortgage, it signals to the bureaus that you're actively shopping for a home loan. That makes your information incredibly valuable to other lenders, who pay for access to try and win you over before you commit.
Unfortunately, even though you're working with a trusted mortgage team, other companies don't hesitate to step in with pressure tactics or confusing pitches.
Can You Stop Trigger Leads?
The short answer is that you can reduce them but stopping them entirely requires a bit of effort.
Here's how to protect your information and your peace of mind:
- Opt Out Before You Apply
Visit www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). This is the official site for opting out of pre-screened credit offers from the major bureaus. You can opt out for 5 years by submitting your information online or permanently by completing and mailing a form.
Timing matters: Do this a few days before your credit is pulled to ensure the opt-out takes effect in time. - Register with the Do Not Call List
While this won't stop all calls from trigger leads, it can help reduce general telemarketing. Register at www.donotcall.gov or call 1-888-382-1222. - Let Us Know
We understand how frustrating trigger leads can be. Let our team know if you're being contacted, and we'll help you verify what's legitimate and what's not.
Why We Don't Use Trigger Leads
We believe in building relationships—not buying them. The Sharpe Mortgage Team does not purchase or act on trigger leads. If you're hearing from us, you reached out first. And that's how it should be.
Final Thoughts
Buying a home should be exciting, not stressful. Trigger leads may be legal, but they can feel like an invasion of privacy. If you plan to apply for a mortgage soon, take a few simple steps to protect yourself. And if you're already working with the Sharpe Mortgage Team, know that you've got a team of professionals standing by your side—no pressure, no gimmicks.
Have questions about the mortgage process? Call our team today at 336-575-9448. We're always here to help.
