How to Prevent Sales Calls After a Credit Inquiry

Have you ever had this experience? Right after applying for a mortgage or car loan, your phone won’t stop ringing—strange numbers one after another—and you even get flooded with promotional texts and emails. This is no coincidence—you’ve likely run into what’s called a “Trigger Lead” list.

The good news is: you can choose to stop your information from being shared!

πŸ” What are “Trigger Leads”?
When you apply for a loan and the lender pulls your credit report, the credit bureaus (Equifax, Experian, TransUnion, and Innovis) are allowed to sell your information to other lenders. Once they see you’ve just had your credit checked, these lenders immediately start calling and texting you with loan offers.

Although this practice is permitted under the Fair Credit Reporting Act (FCRA), it can be extremely disruptive and unsettling for consumers.

🚫 How to Stop These Harassing Calls
With just one simple step, you can prevent your information from being sold:
Go to the official website OptOutPrescreen.com and request to “opt out” of trigger leads. ✅

Here’s how:

  1. Visit the website: www.OptOutPrescreen.com

  2. Choose one of the following:

    • Opt-Out for 5 Years – Submit your request online.

    • Permanent Opt-Out – Submit online first, then mail in a signed confirmation form.

  3. Enter your personal information (name, address, date of birth, etc.) for verification.

  4. Once submitted, you’ll stop receiving frequent loan marketing calls, texts, and emails.

πŸ”’ Note: This is the official and secure site operated jointly by the four major credit bureaus. The screenshot shows the Equifax, Experian, Innovis, and TransUnion logos.

πŸ’‘ Special Tip for Mortgage Clients
If you’re applying for a mortgage with us, we recommend opting out before we pull your credit. This way, your information is better protected from being shared.

🧘‍♀️ Peace of Mind for Yourself
Getting a loan should bring peace of mind—not a flood of unwanted sales calls. Take one minute to opt out, and you’ll protect your privacy while avoiding unnecessary interruptions.

If you have any questions during the process, feel free to reach out to us. At Bluebell Financial, we’re committed to providing you with a safe, secure, and hassle-free lending experience.

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