Protecting Your Privacy: How to Stop Unwanted Marketing Calls and Credit Bureau ‘Trigger Leads’

When you embark on securing home financing, your credit report plays a crucial role. However, we believe you should be aware of an important aspect of this process. When we pull your credit report, the major credit bureaus—Experian, Equifax, Innovis, and TransUnion—can legally sell your information to other companies. This practice, known as “trigger leads,” results in your contact information being shared with potentially hundreds or even thousands of lenders. The outcome? An overwhelming avalanche of unsolicited offers, arriving via calls, texts, and emails.

What Are “Trigger Leads”?

“Trigger leads” are a marketing strategy used by credit bureaus to help consumers compare offers from different lenders. While the intention is to provide you with options, the reality is that this can quickly become overwhelming. Imagine your phone suddenly lighting up with constant notifications, emails flooding your inbox, and voicemails piling up from lenders you’ve never heard of. This can happen because your contact information has been sold, without your explicit consent, to numerous companies who see you as a potential customer.

How to Opt-Out and Regain Control

We understand how frustrating this can be, and while America One Mortgage Corporation has no control over this process, we want to ensure you have the knowledge and tools to protect your privacy. Here’s how you can opt-out:

1. Opt Out Online:
   Visit optoutprescreen.com. You can opt-out electronically for five years or mail in a form to opt-out permanently.
2. Call to Opt Out:
   Dial 1-888-5-OPT-OUT (1-888-567-8688). This is another quick way to remove your information from these lists.
3. Do Not Call Registry:
   Register your phone number at donotcall.gov or 1-888-382-1222 to stop telemarketing calls from any company.

Please note that it can take up to five days or more for these requests to be processed and for databases to be updated. Therefore, if you wish to opt-out, we suggest doing so as soon as possible.

We’re Here to Help

As your real estate financing specialist, we are committed to finding the best financing options for you by accessing hundreds of lenders nationwide. If you choose not to opt out, please be prepared for the incoming calls, texts, and emails that may follow after your credit report is pulled.

If you have any questions or need further assistance, don’t hesitate to let us know. Your privacy and peace of mind are important to us.

Best regards,

Mark Luciani
President, America One Mortgage Corporation