3 Steps to Avoid Unwanted Mortgage Offers & Understand Trigger Lead Regulations

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 👇

What’s Really Going On?

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.

Is It Even Allowed?

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.

A New Bill Could Change That
A new bill called the “Protecting Consumers from Abusive Mortgage Leads Act” has been introduced in Congress. If passed, it will stop these trigger leads unless:
It’s not law yet—but it’s a step in the right direction.

Don’t Wait.
Here’s How You Can Stop These Offers Right Now:

1. Opt Out Online (5 Years)
This cuts down a lot of junk mail, emails, and phone calls.
2. Opt Out By Phone (5 Years)
Fast and easy if you prefer talking over typing
3. Opt Out Forever (By Mail)
Want to stop these offers for good? This one’s for you.
It takes a bit longer—but once it’s processed, you’re off the list forever.
A Few Things to Remember

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

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