Stop the Spam: How to Block Trigger Leads Before Getting Pre-Approved for a Mortgage

If you're starting the mortgage pre-approval process, there's one simple step you must take before your credit is pulled—opt out of trigger leads.

What Are Trigger Leads?

When a mortgage lender pulls your credit, the major credit bureaus (Experian, Equifax, and TransUnion) will sell your data as a “trigger lead” to other lenders. This alerts dozens (sometimes hundreds) of mortgage companies that you're in the market for a loan—opening the floodgates to unsolicited calls, emails, and even physical mail.

Yes, it’s legal. No, your lender didn’t sell your info. The credit bureaus did.

How Do You Stop It?

Visit OptOutPrescreen.com — this is the official site to block credit bureaus from selling your data for pre-screened offers.

You can choose:

• 5-year opt-out (online submission)
• Permanent opt-out (requires mailing a signed form)

We recommend doing this before applying for any mortgage pre-approval. It takes just a few minutes and saves you from days (or weeks) of spam calls and junk mail.

Why This Should Be Step One

1. Protects Your Privacy: Avoid getting bombarded with lender offers you never requested.
2. Reduces Confusion: Prevents misleading quotes from aggressive lenders trying to undercut without context.
3. Keeps You in Control: Stay focused on working with your chosen mortgage advisor—on your terms.

Final Tip

If you’re serious about getting pre-approved, start here:

1. Visit www.OptOutPrescreen.com
2. Choose the 5-year or permanent opt-out
3. Wait 24–48 hours, then move forward with your mortgage application

At Pure Rate Mortgage, we believe in protecting your privacy and giving you clear, no-pressure mortgage options—without the spam.

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