How to Stop Spam Calls After Pulling Credit

How to Stop Spam Calls After Pulling Credit

After you apply for a mortgage or auto loan, you may notice an increase in unsolicited calls, texts, or emails. This isn't a coincidence. When your credit is pulled, that information can be sold by credit bureaus to marketers and competing lenders. These are called trigger leads, and they often result in a flood of spam.

The good news is that you can proactively stop these calls. The official site OptOutPrescreen.com allows you to opt out of prescreened credit offers for five years (or permanently if you mail in a request). This is the best way to maintain privacy and avoid distractions during your home buying journey.

In addition, it’s wise to register your number on the National Do Not Call Registry and avoid engaging with unsolicited messages, which can sometimes be scams. Always work directly with your trusted loan officer and avoid giving sensitive information to anyone who contacts you out of the blue.