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Trigger Leads

Have you noticed that after you apply for a loan you receive unsolicited emails, phone calls and even texts from seemingly random businesses? MidAmerica National Bank is not selling your information. Find out how this happens and what you can do to stop it.

What are Trigger Leads?

When you apply for a loan, your banker will pull a copy of your credit report. The type of credit report pulled is determined by the type of loan you are applying for - mortgage, auto, credit card, etc. The credit inquiry triggers that you are looking for new credit. The credit bureaus then sell this information (type of credit and contact information) to other companies, such as mortgage, insurance, and credit companies. This is called a credit report trigger lead.

What can I do to stop them?

If these calls, emails, or letters are just too much – you can reduce the number of solicitations you receive (ideally before they start). You have the power to opt out of any pre-screened offers. You can also add your number to the National Do Not Call list, which gives you the choice about whether to receive telemarketing calls or not.

Opt Out

It’s easy to opt out! Opting out should stop trigger leads and pre-screened offers. This process can take a few days (up to 5 business days), so if your credit report has already been pulled – this may not block offers immediately. Visit for more information.

Add your number to the Do Not Call List

Signing up for the Do Not Call Registry can also help protect you against unwanted phone calls. Visit for more information.

MNB is committed to protecting your privacy, and we do not sell customer information to third parties. Click here to view our Privacy Policy

If you would like more information, please contact us at 877-647-5050 or visit any MNB banking center.

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