The first step of any loan process is getting a credit check. Unfortunately, the credit companies take any lender pulling your credit report as “implied consent” to sell your information to other lenders. The buyer of your information already knows that you are in the market for what they are selling, so you are considered a warm “trigger lead” and you are pursued as a potential client. These calls are notorious for being confusing and deceptive. The calls can also be discomforting as they already have a good amount of your personal information which can cause concern about identity theft.

Premium Mortgage Corp. has a long-standing policy of NOT buying any leads and prefer to take a personal one-on-one approach. We are pushing to eliminate trigger leads in the industry all together.

The best way to avoid becoming a trigger lead is to opt out of the credit company sharing your information before applying for a loan pre-approval. Once your information is pulled, it is difficult to stop the solicitations. Opting out prior to a credit check will prevent this and any future credit information from being sold by the credit companies. While these steps won’t solve all your SPAM calls/emails/mailings, it will definitely reduce the quantity. Do not hesitate to ask your Loan Officer for help.

This simple two-step process will help eliminate unwanted attention from solicitors.

Step 1: Opt Out Prescreen Website


  • You will be given 3 options, choose Opt-Out by Mail. Once Opt-Out by Mail is selected, you’ll be asked to complete an online form.
  • Once you fill out the form, be sure to print the Permanent Opt-Out Election form, finalize your confirmation, and mail it in.

Step 2: National Do Not Call Registry

  • Register your phone number on the National Do Not Call Registry.
  • Click the link in the confirmation email they send you to finish the process.

As always, the home financing professionals at Premium Mortgage Corp. are here to help and answer any questions you may have. To learn more or to speak with a loan officer, contact us today!