Premium Only Content

Get of the Trigger list
So what is a trigger list and how does it work?
Each time that you apply for a credit card, auto loan, mortgage, or refinance, your personal information is distributed to lenders, insurance, and credit card companies who have subscribed to products known as a “trigger list”.
• Prospective creditors purchase a subscription to a trigger list service. They set the criteria for their list - for example, anyone who has applied for a mortgage or refinance, in a certain area code, with a FICO score of at least 720. They also choose what additional information they would like to have included: names, addresses, phone numbers, mortgage balances, etc. as well as how often they would like to receive the list (daily or weekly).
• When you apply for a mortgage or refinance, your chosen lender orders a credit report (with your permission).
• Within hours of ordering your report, your file is red-flagged by the major credit reporting agencies for inclusion in trigger lists.
• If your profile matches the conditions of any trigger list subscribers, your personal information is sent to those subscribers.
• Shortly thereafter, the subscriber makes you a “firm offer of credit”, usually by mail, e-mail, or phone.
How to stop the trigger lists
.
You may opt out of trigger lists and other pre-screened offers of credit safely and securely online at http://www.optoutprescreen.com/ or by calling 1–888-567-8688. Submitting your opt-out request takes less than five minutes and is the only way to prevent credit reporting agencies from reselling your personal information each time you apply for credit. Requests can take up to 5 days to process, so don’t delay - opt out today!
You may also want to add your phone number to the National Do-Not-Call Registry (https://www.donotcall.gov/) at this time.
It can take up to 5 days for the bureaus to update their records for opt-out requests and 30 days to be added to the do not call list.
tune in and learn more at https://www.ddamortgage.com/blog
Didier Malagies nmls#212566
DDA Mortgage nmls#324329
-
3:40:55
MyronGainesX
19 hours ago $20.53 earnedFormer Fed Explains Gabby Petito's Murder
82K38 -
2:18:05
Nerdrotic
9 hours ago $9.54 earnedInvestigations into the Unknown with Micah Hanks | Forbidden Frontier #093
78.4K16 -
18:54
The Rubin Report
14 hours agoHow One Woman Outsmarted Pornhub & Exposed Its Dark Secrets | Laila Mickelwait
160K134 -
LIVE
Major League Fishing
5 days agoLIVE! - Bass Pro Tour: Stage 3 - Day 4
896 watching -
1:05:28
Sports Wars
16 hours agoLebron GOES OFF Over Bronny Hate, Pereira LOSES Belt To Ankalaev At UFC 313, Xavier Worthy Arrested
108K19 -
10:27
Tactical Advisor
1 day agoDMR or SPR for Civilian Use?
104K6 -
8:21
DEADBUGsays
1 day agoThe Crossbow Killer
98.6K22 -
8:40
Tundra Tactical
1 day ago $13.76 earnedThe Executive Order Wishlist.
102K7 -
7:22:52
SpartakusLIVE
1 day agoSaturday SPARTOON Solos to Start || Duos w/ StevieT Later
186K4 -
28:40
SLS - Street League Skateboarding
9 days agoTOP MOMENTS IN WOMEN’S SLS HISTORY! ALL THE 9’s - Rayssa Leal, Leticia Bufoni, Chloe Covell & more…
130K11