Ever applied for a loan and suddenly started getting flooded with calls and emails?
You’re not alone.
Whether you’re applying for a mortgage, car loan, or even a credit card, it can feel like your personal info got sold overnight. That’s because… well, it kinda did.
Let’s break it down 👇
Every time you apply for a loan, your credit report is pulled. When that happens, credit bureaus (like Experian, Equifax, TransUnion) get the signal that you’re shopping for credit.
They then sell that info to other lenders who want to offer you a loan before someone else does.
This is called a “trigger lead.”
It’s legal. But super annoying.
Yep. As of now, it’s totally legal under the Fair Credit Reporting Act (FCRA)—as long as the lender sending you the offer follows a few rules.
BUT… things may be changing soon.
- You’ve given permission, or
- The company already has a relationship with you (like your bank or lender)
Don’t Wait.
Here’s How You Can Stop These Offers Right Now:
- Go to optoutprescreen.com
- Fill out your info (name, SSN, etc.)
- Submit the form
- Boom - you’re opted out for 5 years
- Call 1-888-5-OPTOUT (1-888-567-8688)
- Just like the online form, you’ll need to provide your info
- Works for 5 years
- Start at optoutprescreen.com
- Choose the Permanent Opt-Out option
- Print the form, sign it, and mail it in
- It might take up to 60 days for offers to fully stop
- Opting out doesn’t affect your credit score
- If you applied with a co-borrower (like a spouse), both of you need to opt out
At Faster Mortgage, We Respect Your Privacy.
We don’t play games with your data. No trigger leads, no surprises—just fast, friendly mortgage solutions that work for you.
Ready to get started with a lender that respects your inbox and your time?
👉 Let’s talk