When you apply for a mortgage, the lender performs a hard credit pull to assess your creditworthiness. This action is recorded on your credit report and triggers an alert in the system that can lead to your contact information being sold to other lenders as part of "trigger leads." These leads allow lenders to contact you, resulting in unsolicited calls and emails.

Opting out of trigger leads can be beneficial for several reasons.

1. Helps protect your privacy by preventing your personal contact information from being shared with multiple lending institutions.
2. Reduces the amount of unsolicited mail, emails, and phone calls you might receive.
3. Allows you to maintain control over your mortgage shopping process by engaging only with lenders you personally choose rather than navigating numerous unsolicited contacts.

How to Opt-Out?

1. Visit www.optoutprescreen.com
2. Scroll down and click
3. Select "Electronic Opt-Out for 5 years"     Click Continue
4. Complete only the required fields     Confirm