My wife and I recently talked to some people about our prospects for home ownership – it’s more of a pre-qualification type review. They look over our credit reports and get an idea of our debt to income and all that fun stuff. It turns out that the credit pull seems to have been more of a hard pull than a soft pull (we were told they did soft pulls, but I haven’t looked at a follow up report yet to see if it shows or not) and we got a phone call from “Home Loan Executives” who do something called “trigger leads”. I’m guessing the trigger lead is like pre-screened credit offers, but these guys are looking for people pulling credit reports for a home loan and then calling them about it… as this article says, creepy.
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