The three major credit bureaus historically sold your data as "trigger leads" after credit applications, leading to unsolicited offers. The Homebuyers Privacy Protection Act, signed September 5, 2025, bans most mortgage-related trigger leads starting March 4, 2026, unless you have an existing relationship, opt in, or receive a firm offer tied to a real estate transaction. This reduces unwanted mortgage spam.
Non-mortgage trigger leads (e.g., for credit cards, auto loans) persist. To limit these, opt out of pre-screened offers at www.optoutprescreen.com. Note: Opting out may block beneficial deals.
As you embark on what could be the largest financial transaction of your life, it's important to have a professional home loan specialist on your team who understands how credit impacts the loan process.
To learn more, contact us for details on trigger leads, the new law, credit reports, or mortgage options to meet your goals.
