Credit Privacy & Trigger Lead Protection
Credit bureaus can sell prescreened data to marketers after a credit pull. This can lead to calls and texts from companies you do not know. Use the steps below to reduce unwanted solicitations and protect your privacy.
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Share this guideStop Unwanted Solicitations
Reduce phone and text marketing after a credit pull by opting out of prescreened offers.
Protect Your Privacy
Control who can access your consumer credit data and prevent unauthorized access.
Shop With Confidence
Opting out does not limit your ability to apply for a mortgage with us.
Did You Know?
- After a credit inquiry, marketers may receive your data as a ‘trigger lead.’
- You may get calls or texts within 24–48 hours.
- Opting out reduces these offers and helps you control who can contact you.
How to Opt-Out
- Go to OptOutPrescreen.com
- Choose to stop prescreened offers for 5 years or permanently
- Complete identity verification
- Save confirmation for your records
How to Get a Free Credit Report
- Go to Experian’s free report page
- Sign in or create an account
- Select “Credit” then “Quick Actions” → “Print Credit Report”
- Save as PDF for your files
Frequently Asked Questions
Keep your experience calm and private
Reduce unwanted marketing while you shop for a mortgage.
Questions? We can help.
Call us at (425) 455-4663 or book a quick call.
What is a trigger lead?
After a lender pulls your credit, credit bureaus may sell limited prescreened data to marketers. Those companies can use it to contact you with offers.
How do I opt out?
Visit OptOutPrescreen.com and choose to stop prescreened offers for 5 years or permanently, then complete identity verification.
How long does the opt-out last?
You can opt out for 5 years or permanently. Permanent opt-out by mail requires a signed form after submitting the online request.
Will opting out affect my ability to get a mortgage?
No. Opting out only reduces unsolicited prescreened marketing. It does not limit your ability to apply for a mortgage with us.
How do I get a free credit report?
Go to Experian’s free report page, sign in or create an account, select Credit → Quick Actions → Print Credit Report, then save as PDF.