top of page

What Are Trigger Leads?

When you apply for a mortgage, your lender pulls your credit report. This triggers the credit bureaus to sell your information, including your name, contact details, and the fact that you're seeking a loan, to other mortgage companies. These companies then use this information to contact you directly, hoping to entice you to switch lenders. Trigger leads can be intrusive and aggressive. These leads can result in a flood of unwanted calls and emails. Their goal at hand is to pressure you into switching lenders with misleading information and rush you into closing a new loan without proper research. There is a current proposed bill in the House of Representatives called the Trigger Leads Abatement Act of 2023 which would end this practice. How can you protect yourself?

  • Remember, Summit Mortgage NEVER sells your information to third parties.  The three major credit bureaus are the ones selling your information. 

  • Sign up for  You can also call 1-888-567-8688.  If you sign up BEFORE you initiate the loan process this will mitigate unwanted calls right off the bat.  This is the official Consumer Credit Reporting Industry website. You can choose to opt-out for five years, or permanently. 

 What should you do after applying?

  • Be wary of unsolicited calls and emails: Don't provide personal information or agree to anything without doing your research.

  • Report aggressive lenders: You can file complaints with the Consumer Financial Protection Bureau (CFPB).

  • Stick to your chosen lender: Don't be pressured into switching based on unsolicited offers.


Remember, you have the right to control your personal information and avoid unwanted solicitation. By understanding trigger leads and taking proactive steps, you can protect yourself from unnecessary hassle and potential scams.

8 views0 comments

Recent Posts

See All


bottom of page