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Why You Get Spam Calls After a Credit Pull
Have you ever applied for insurance or a mortgage pre‑approval, only to be bombarded with calls from other lenders or companies you never contacted? It’s frustrating — but here’s what’s really happening behind the scenes.
Who’s Selling Your Information?
It’s not your lender or insurance agent. In fact, they want your business and aren’t selling your data. The real source is the credit bureaus — Equifax, TransUnion, and others. When a credit pull is made, it signals to these bureaus that you’re in the market. They then sell that information to companies who pounce on the opportunity to reach out.
How to Protect Yourself
Thankfully, there’s a solution. Just like the “Do Not Call” list for phones, you can opt out of these solicitations through OptOutPrescreen.com.
You can choose to opt out for five years or permanently.
If you’ve opted out before, you can also opt back in.
While it won’t stop every call (some companies use other data sources), it will significantly reduce the spam.
Why This Matters
Spam calls aren’t just annoying — they can distract you during an already stressful time like buying a home or securing insurance. Taking a few minutes to opt out helps protect your privacy and keeps you focused on the decisions that matter most.
📩 Thinking about buying or refinancing? Let’s talk about your financial position and goals, and make sure you’re set up for success without the spam.
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