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"Trigger leads" are a marketing product created by the national credit bureaus. When an applicant applies for a loan with FirstBank or any other lender, notification of that application and credit pull is sold by the credit bureaus to other lenders who then target the applicant with competing offers. Trigger leads are legal and some consider them a benefit to consumers since it allows them to shop and compare offers between different lenders.

Some applicants may receive a large volume of phone calls from other lenders after having their credit report pulled by FirstBank. We cannot prevent applicants from receiving these calls since the national credit bureaus sell the trigger leads directly to other lenders. Under no circumstances does FirstBank release personal information from your application directly to these other lenders.

There are two options to reduce or eliminate these sales calls:

• Add yourself to the National Do Not Call Registry provided by the Federal Trade Commission. Note that it can take up to 31 days for sales calls to stop.
• Opt out of receiving offers from lenders using the Opt-Out Prescreen service provided by the national credit reporting agencies. Note that you may continue to receive offers initially because companies could still be in the process of mailing offers to you.