The Mortgage Insider - Home Financing with Contemporary Mortgage

How to Avoid and Opt Out of Receiving Spam Trigger Lead Phone Calls

July 18th, 2023 8:36 PM by Austin Howland

How to Avoid Receiving Unsolicited Spam Calls During and After the Mortgage Process

Are you tired of receiving unsolicited phone calls from businesses you've never interacted with? Trigger leads, also known as prescreened offers, are pre-approved credit offers sent by lenders based on certain triggers like new credit inquiries or mortgage applications. While these offers might seem tempting, they can quickly become a nuisance. Fortunately, there is a simple solution to put an end to these unwanted calls. In this blog post, we will guide you through the process of opting out of receiving trigger lead phone calls by signing up on the website


Step 1: Understand the Purpose of OptOutPrescreen

OptOutPrescreen is a website operated by the major consumer credit reporting agencies, Equifax, Experian, TransUnion, and Innovis. It offers a centralized platform for consumers to opt out of receiving prescreened credit and insurance offers. By signing up on this website, you can prevent lenders from accessing your credit information for marketing purposes, effectively reducing the number of unsolicited calls you receive.


Step 2: Gather Necessary Information

Before you proceed with the opt-out process, you'll need to collect some basic information. Ensure you have the following:

a. Your Social Security Number (SSN): This is required to verify your identity and process your opt-out request securely.

b. Access to the Internet: OptOutPrescreen operates through its official website, so you'll need a device with internet access to complete the opt-out process.


Step 3: Access the OptOutPrescreen Website

To begin the opt-out process, open your preferred web browser and visit Once there, you'll be presented with the website's homepage, which contains essential information about the opt-out process and your rights as a consumer.


Step 4: Navigate to the Opt-Out Form

On the homepage, you'll find a "Click Here to Opt-In or Opt-Out" link. Click on this link to proceed to the opt-out form. This form allows you to choose whether you want to opt out for five years or permanently.


Step 5: Complete the Opt-Out Form

The opt-out form will prompt you to provide the following information:

1. Your Name: Enter your full name as it appears on your credit report to ensure proper identification.

2. Address: Provide your current mailing address to ensure the correct credit profile is opted out.

3. SSN: Enter your Social Security Number to verify your identity securely.

4. Date of Birth: This is required to further verify your identity and match it to the correct credit information.


Step 6: Submit the Opt-Out Request

After you've filled out the required fields, carefully review the information you provided for accuracy. Once you're satisfied, click on the "Submit" button to send your opt-out request to the credit reporting agencies.


Step 7: Confirm Your Opt-Out Status

Upon successful submission of your opt-out request, you'll receive a confirmation notice. The credit reporting agencies will process your request, and you should stop receiving trigger lead phone calls after 5 days.


Step 8: Remain Vigilant

While the opt-out process should significantly reduce unsolicited offers, it's essential to remain vigilant. Some companies may still attempt to contact you through other means or use alternative data sources. Regularly monitor your credit reports and report any unauthorized activity to the credit reporting agencies and relevant authorities.



Receiving unwanted trigger lead phone calls can be both irritating and time-consuming. However, by taking a few minutes to opt out through, you can regain control over who accesses your credit information for marketing purposes. Remember to stay informed about your rights as a consumer and continue practicing good credit management to safeguard your financial well-being. Opting out of prescreened offers is a step towards a more peaceful and focused financial journey.

Feel free to contact us with any questions regarding this process.


Posted by Austin Howland on July 18th, 2023 8:36 PM


My Favorite Blogs:

Sites That Link to This Blog:

Contemporary Mortgage Services, Inc

498 Palm Springs Dr Suite 220
Altamonte Springs, FL 32701