![]() ![]() Not sure if you’re already registered for Do Not Call? You can check whether your number is on the Registry at or by calling 1-88 from the number you want to verify. If you continue to receive unwanted calls after your number is on the National Registry for 31 days, you can report it to the FTC.It can take up to 31 days for sales calls to stop.If you register your number at, you’ll get an email with a link you need to click on within 72 hours to complete your registration. Go to or call 1-88 (TTY: 1-86) from the phone you want to register.It’s free to register your home or cell phone number. The National Do Not Call Registry was created to stop unwanted sales calls. You do have options that can help reduce or eliminate the unsolicited contact that results from triggered leads as well as from prescreened offers for credit and insurance. ![]() Related: Why Is My FICO Score Lower Than My Free Credit Score? What Credit Score Apps May Not Be Telling You Can you opt out of trigger leads? And they’re supposed to be for consumers’ benefit, even though it doesn’t usually feel that way. So, while trigger leads are frustrating and can feel intrusive, they are legal. The Federal Trade Commission (FTC) and Consumer Finance Protection Bureau (CFPB) actually encourage this type of competition among lenders because they think it gives you a better chance of getting the best possible deal for financing. If you’re thinking, “ How is this legal?,” here’s the logic for it. Under the Fair Credit Reporting Act, as long as the company that’s buying the trigger leads meets certain legal requirements, they are legal in all 50 states. These companies use the information in trigger leads to market their own credit cards, various types of insurance and loan products to you, with the goal of winning your business for themselves. Many types of companies buy trigger leads, including: Those lenders purchase inquiry data from the major credit bureaus: Equifax, Experian, and Transunion. ![]() That inquiry automatically “triggers” to lenders that you’re looking for new credit. Whenever you formally apply for credit or financing, your lender pulls your credit report. It sure feels like an invasion of privacy when other creditors contact you and seem to know you’ve applied for credit – not to mention that unsolicited phone calls, emails, and junk mail are downright annoying.Įver wonder why that happens and how other lenders get your personal information? It’s because of a practice known as “trigger leads.” What is a trigger lead? Have you ever received nuisance phone calls or seen an increase in junk mail from other lenders right after you’ve applied for credit online or spoken with a particular lender or insurance company? ![]()
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