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Agents - Help Your Customers Stop SPAM

Mortgage and Lending with Mortgages in AZ, CA, CO, DE, FL, GA, IN, MD, MN, MT, NC, NJ, NV, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI NMLS #138061 MMCD #1141

Opting Out

When talking with a client about doing a mortgage preapproval one of the first things we do in today's world is help the client "opt out" of spam to avoid getting their phones and inboxes blown up when their credit is run.

For those that don't know, a "trigger lead" occurs when a hard credit inquiry (needed for a mortgage preapproval in many cases and always for mortgage underwriting) is made.  Credit bureaus sell a customer's data to any and everyone buying it, and in today's ultra competitive market, there are a lot of buyers.  You can learn more about trigger leads by clicking here.

For most customers, we have internal preventative steps to avoid the bombardment of spam that comes from trigger leads, but sometimes, customers come to us late in the game needing an approval immediately, and we have to run credit quickly.  But, that rush could be avoided if agents add this step as part of their initial customer consultation:

Simply let the customer know how trigger leads work and that no one, short of congress, is going to put an end to them, BUT, they have the option to opt out in advance, drastically cutting down the amount of spam they'll receive.  Opting out is a simple 2 minute process that can be done online with a few clicks after visiting optoutprescreen.com.

Visiting optoutprescreen.com, consumers can opt out of receiving "prescreened offers" (aka SPAM) for 5 years with just a few simple clicks.  This will stop spam calls and some spam mail from hitting the customer when their credit is run, and doesn't just protect them when shopping for a mortgage  - when opening consumer credit, shopping auto loans, and any other instance when a hard credit inquiry is completed, spam will be minimized by taking this step.

If agents offer this tip up front, odds are, by the time a lender pulls credit, the customer will have already spared themselves from tons of spam, and while the customer may not know any better, the agent will have taken action to increase their service level above that of their peers.  This should be a step all agents take in informing customers on day 1 of ways to make the process of getting a new home stress free.

Posted by

John Meussner
NMLS ID #138061

It's more than a house - it's home.  So we offer a wide range of mortgage products at competitive prices to help our clients achieve financial security at home.  While we get great feedback on our prices and products, many clients say their favorite part of working with John Meussner & MasonMac is the level of service provided along the way.

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Comments (13)

George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

John Meussner I have always had a big issue with the Credit bureaus being able to sell credit information without first getting consent to do so.  It should be opt-in and not opt-out.

Feb 22, 2024 01:58 PM
John Meussner

I just don't think it should be allowed, period.  Privacy shouldn't have a price tag

Feb 22, 2024 02:24 PM
George Souto


Feb 22, 2024 03:43 PM
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

Whatever you do, don’t say hello. Say anything else according to somebody I know. :)

Feb 22, 2024 02:46 PM
Matt Brady

Hi Laura, you should also avoid saying yes, which is why they start with "Is this Laura"?

Feb 23, 2024 09:12 AM
Liz and Bill Spear
Transaction Alliance 513.520.5305 www.LizTour.com - Mason, OH
Transaction Alliance Cincinnati & Dayton suburbs

Anything to stop the politicians & PACs too?  The amount of email/calls/texts I get from those groups is beyond irritating.  Can I put you down for $75?  How about $50?  arrrghhhh....

Feb 22, 2024 03:07 PM
John Meussner

I haven't gotten those calls this year but the mailers are already getting old.  Straight from mailbox to recycling.

Feb 22, 2024 03:52 PM
Liz and Bill Spear

I've got about 7 this week alone regarding one comment.  2 from a PAC that is against him with a Cohatch office address in Cincinnati for the mailings, but actually based out of NoVA, and another 5 from the actual candidate.  The amount of money being wasted on these mailers is obscene.

Feb 22, 2024 07:04 PM
Kathy Streib
Cypress, TX
Home Stager/Redesign

John- I'm so glad this was featured. Part of the value an agent offers is guiding them through the home-buying process and that includes sharing with them information like this. 

Feb 22, 2024 04:20 PM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Great information John.  I think we're all sick and tired of the spam bursts in - and out quickly (on my end).  Question for you.....many of our folks have had their credit locked down for awhile now.  If they open it for a lender and then lock it down again - can the spammers still get at them?

Feb 22, 2024 04:39 PM
John Meussner

Hi Anna "Banana" Kruchten  - yes, the bureaus sell data on locked reports, too.  The data they sell isn't specific - for example, someone buying a 'trigger lead' won't see "John Smith owes $6000 to Chase and had a 30 day late in June 2023" ----- the lead data is more akin to "John Smith is shopping for a mortgage and here is his contact info"

Feb 23, 2024 09:27 AM
Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

Hello John - valuable information.  I have bookmarked your post as a reminder.  For investigating as well as suggesting.  

Feb 23, 2024 12:49 AM
Kat Palmiotti
eXp Commercial, Referral Divison - Kalispell, MT
Helping your Montana dreams take root

Excellent suggestion not only for our clients but for us. Thank you.

Feb 23, 2024 05:20 AM
Nick Vandekar, 610-203-4543
Realty ONE Group Advocates 484-237-2055 - Downingtown, PA
Selling the Main Line & Chester County

Great post and totally agree, this should not be allowed and if so, should be the consumers choice by opting in.

Feb 23, 2024 06:12 AM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

Good morning John,

So glad to see this post featured! I agree with George Souto and think It should be opt-in and not opt-out! it's so annoying. Thank you for the tip! 

Feb 23, 2024 06:41 AM
Matt Brady
Watermark Capital - Del Mar, CA
One of San Diego's Best Equity Advisors

This is great information to share John. Do you have any tips to eliminate the mortgage insurance Spam after a deal closes?

Feb 23, 2024 09:13 AM
John Meussner

Hi Matt --- this should help with that, in part, because many of them are "prescreened offers".  But because mortgages are public record it's tough to avoid

Feb 26, 2024 01:21 PM
Ginger Harper
Coldwell Banker Sea Coast Advantage~ Ginger Harper Real Estate Team - Southport, NC
Your Southport~Oak Island Agent~Brunswick County!

Good information to share.  Thanks for putting it out there for us.


Feb 23, 2024 10:57 AM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Great information, John - thank you. Like George said it ought to be opt in, not opt out. But that's not going to happen is it!


Feb 23, 2024 05:15 PM
John Meussner

Not as long as they're making money from our data : /

Feb 26, 2024 01:21 PM
Joyce Marsh
Joyce Marsh Real Estate LLC - Daytona Beach, FL
Joyce Marsh Homes

I am so glad that this post was featured. As others have said, I’m bombarded daily with texts, and calls. Our privacy is invaded daily and we shouldn’t have to “opt out”.  More needs to be done to protect the consumer and also educate us about protective measures. 

Feb 24, 2024 05:16 AM