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When you apply for credit or financing, your lender pulls your credit report. This is known as a hard inquiry.
That inquiry automatically “triggers” lenders that you’re looking for new credit. Those lenders purchase inquiry data from the major credit bureaus: Equifax, Experian, and Transunion and your information is passed on as a "Trigger Lead".
How to register for Do Not Call:
- Go to donotcall.gov or call 1-888-382-1222 (TTY: 1-866-290-4236) from the phone you want to register. If you register your number at DoNotCall.gov, you’ll get an email with a link you need to click on within 72 hours to complete your registration.
- It can take up to 31 days for sales calls to stop.
- 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.
Not sure if you’re already registered for Do Not Call? You can check whether your number is on the Registry at DoNotCall.gov or by calling 1-888-382-1222 from the number you want to verify.
- To opt out for five years: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). The major credit bureaus operate the phone number and website
- To opt out permanently: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) to start the process. To complete your request, you’ll need to sign and return the Permanent Opt-Out Election form (which you get online) once you’ve started the process
When you call or visit optoutprescreen.com, you’ll be asked for your personal information, including your name, address, Social Security Number, and date of birth. The information you give is confidential and will be used only to process your request to opt out.
Requests to opt out are processed within five days, but it may take several weeks before you stop getting prescreened offers. This is because some companies may have received your information before your opt out request was processed.