Protect Your Privacy During the Home-Buying Process

When you're on the exciting journey of buying a home, the last thing you need is a flood of unsolicited calls and offers from lenders you didn't reach out to. Unfortunately, this can happen due to something called "trigger leads." In this blog post, we'll explain what trigger leads are, why they matter, and how you can protect yourself.

What Are Trigger Leads?

Trigger leads are generated when you apply for credit, such as a mortgage. Credit bureaus like Equifax, Experian, and TransUnion can legally sell your inquiry information to other lenders. These lenders then use this information to market their services to you, often resulting in a sudden increase in calls and solicitations.

Why They Matter

While trigger leads are legal, they can be intrusive and confusing. You might receive calls from lenders you never contacted, which can be frustrating and overwhelming during an already stressful time. It's important to understand this practice so you can take steps to minimize its impact.

How to Opt Out

To reduce the number of unsolicited calls and offers, you can opt out of prescreened credit offers. Here's how:

  1. Visit OptOutPrescreen.
  2. Follow the instructions to opt out of prescreened offers for five years.
  3. Complete the online form and submit your request.
  4. It can take up to 60 days for the opt-out to take full effect, so do this as early as possible in your home-buying journey.

By taking these steps, you can help protect your privacy and reduce the number of unsolicited calls you receive. If you have any questions or need further assistance, feel free to reach out to your realtor or lender.

Happy house hunting!

Pre-Approval & Online Application

Ready to get pre-approved? Stop in and visit with one of our home loan experts or apply online.

Apply Now

First-Time Homebuyer Tips

Are you looking for more online resources on buying your first house? Check out this blog, watch the video and click through our various links for more information. 

Tips for Buying Your First Home