February 8, 2024

Getting Calls After a Credit Report? Here’s What’s Happening:

When your credit report is pulled by any lending institution, a lesser-known yet impactful process is set in motion. This process, known as Trigger Leads, can lead to unexpected consequences for prospective borrowers. Let’s delve into what Trigger Leads are, how they affect you, and what you can do about them.


Understanding Trigger Leads: Trigger leads occur when your credit report is accessed during a mortgage application. This action flags your information to other lenders and financial entities, who purchase these leads from credit bureaus. While this practice is legal and intended to foster competitive lending offers, it often leads to numerous unsolicited communications.

The Mechanics Behind Trigger Leads: Once a credit report is pulled, credit bureaus recognize this as a signal that a consumer is in the market for a loan. They compile these leads into lists, which are then sold to other lenders and financial institutions. These entities use the information to target potential customers with their loan offers, hoping to intercept or sway borrowers before they finalize a decision.

How Do Trigger Leads Affect You? After a credit inquiry, you might experience a surge in calls, emails, and texts from various lenders offering their services. These can be overwhelming and intrusive, impacting the privacy of your financial decisions.


Protecting Your Privacy

Here are effective ways to reduce or halt these unwanted contacts:

  • Opt-Out Through Official Channels: Prevent prescreened credit and insurance offers for up to five years or permanently by visiting optoutprescreen.com or calling 1-888-5-OPT-OUT.
  • National Do Not Call Registry: Register at donotcall.gov or call 1-888-382-1222 to minimize telemarketing calls.
  • Stay Informed: Knowledge about your rights regarding credit information is key to managing your privacy.


Your privacy is a top priority at Fortifi Bank. We aim to inform and empower you to protect your personal information, despite our limited control over credit bureaus and third-party lenders. Understanding and acting against trigger leads can enhance your control over your personal information.

If you have questions, feel free to contact your Mortgage Lender.


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