How to Opt Out of Unsolicited Calls

I know why you are reading this… it’s happened to you now, hasn’t it? You went online to get your credit report, it asked why you are checking your credit, you clicked “buy a home.” Now, you are getting inundated with calls from other mortgage brokers who are calling and asking you to get pre-approved for your mortgage, when the only thing you wanted to do was know your credit score!

Let me be the first to tell you that I get how annoying it is! Even worse, it tends to give mortgage brokers a bad name, because many people feel that we’re the ones selling your information. Rest assured, I’m not. I find it unethical to sell your information for a profit.

If you are checking your credit so you know what it is so you can purchase a home, it’s likely you are at the very beginning stage of this all! But the damage is done — the nonstop calls are flooding in. We need to get these to stop — but I don’t want it to stop just once. I want to give you the tools to be able to opt out of these situations for life. Here’s how to opt out of unsolicited calls for mortgage deals.

I know why you are reading this…

It’s happened to you now, hasn’t it? You went online to get your credit report, it asked why you are checking your credit, you clicked “buy a home.” Now, you are getting inundated with calls from other mortgage brokers who are calling and asking you to get pre-approved for your mortgage, when the only thing you wanted to do was know your credit score!

Let me be the first to tell you that I get how annoying it is! Even worse, it tends to give mortgage brokers a bad name, because many people feel that we’re the ones selling your information. Rest assured, I’m not. I find it unethical to sell your information for a profit.

If you are checking your credit so you know what it is so you can purchase a home, it’s likely you are at the very beginning stage of this all! But the damage is done - the nonstop calls are flooding in. We need to get these to stop - but I don’t want it to stop just once. I want to give you the tools to be able to opt out of these situations for life. Here’s how to opt out of unsolicited calls for mortgage deals.

What is a Trigger Lead?

When someone acquires your information, you are referred to as a “lead.” Meaning someone who might be interested in buying a service or product that is offered. There are many ways people can go about acquiring leads.

For some, it’s done by getting involved with the community and meeting people face-to-face. Others will run ads on social media or search engines with a special offer in exchange for information and the permission to contact.

In the case of a trigger lead, it’s acquired by someone like yourself, going onto a website and entering your information in exchange for information. (Remember how you had to put in your name, number, address, and email to get your credit details?)

What then happens is that the Credit Bureaus will then sell your information to mortgage brokers for them to call you. At some level, they know you are interested in purchasing a home - even if you did so just out of curiosity.

Essentially, you performed an action, which “triggered” an event for your information to be sold. Yeah, we hate it too.

To be fair, it’s not just the Mortgage industry that does this though - happens with Health Insurance and other industries as well.

Thankfully, there is a way to prevent this from happening to you.

How Can I Opt out of Unsolicited Mortgage Offers?

If you don’t want your information being sold to hundreds of other people, then OptOutPrescreen is going to be your best friend.

What is OptOutPrescreen?

OptOutPrescreen: Control Credit and Insurance Offers

OptOutPrescreen is the official Consumer Credit Reporting Industry website used to process consumer requests to opt in or opt out of firm credit or insurance offers.

You can opt out for five years digitally or permanently by mail. If needed, you can also opt back in anytime through the same website.

How to Opt Out of Unsolicited Calls and Offers

Visit the Website: Go to the official OptOutPrescreen website.
Read the Information: Understand the website’s purpose—it handles opt-outs for pre-screened credit offers only.
Choose Your Preference: Pick between:
- Electronic Opt-Out for Five Years – Quick and online, but must be renewed after five years.
- Permanent Opt-Out by Mail – Requires mailing a form but lasts forever.
Provide Personal Information: You’ll be asked to submit details like your name, address, email, and social security number to complete the request.
Submit the Form: Click submit to send your request electronically.
Confirmation: You’ll get a confirmation message. Save this for your records.
Check for Updates: If you mailed in the form, wait for confirmation by post.
Follow Up: Allow a few weeks for the opt-out to fully take effect.

Once complete, you should notice a significant decrease in unsolicited credit offers and calls.

Want to Talk To Someone When You're Ready?

If you're planning to buy a home, Valor Mortgage is here to help—on your terms. You can begin the pre-approval process by starting the application on this page. After submitting, you’ll be redirected to a scheduling page to choose a time that works for you. Otherwise, we’ll reach out within 24–48 hours.