At Sanibel Captiva Community Bank, your trust and privacy are our top priorities. When you apply for a residential loan with us, we treat your personal information with the utmost care and confidentiality. One common concern we often hear from customers involves receiving unsolicited offers after applying for a loan. This happens because of a process called “trigger leads“—but rest assured, this is not a result of us sharing your information.
What Are Trigger Leads?
Trigger leads are a byproduct of the credit inquiry process when you apply for a loan. As part of evaluating your loan application, Sanibel Captiva Community Bank, like any responsible lender, requests your credit report from one or more of the major credit bureaus—Experian, Equifax, or TransUnion. While we ensure that your information stays secure with us, the credit bureaus may sell details of your credit inquiry to other lenders. These lenders then use this data to market their products to you, which may explain the sudden influx of calls, emails, or mail after you’ve submitted your loan application.
It’s important to know: Sanibel Captiva Community Bank will never sell your personal information to other companies or lenders.
How to Reduce or Stop Unsolicited Offers (Opting Out of Trigger Leads)
While we have no control over how the credit bureaus handle the information they collect, there are steps you can take to reduce or stop the unwanted loan offers that result from trigger leads:
- Opt-Out Through OptOutPrescreen.com
You can visit optoutprescreen.com to opt out of receiving offers for five years or to permanently opt out by mail. - Register with the National Do Not Call Registry
The Federal Trade Commission’s Do Not Call Registry allows you to block unsolicited marketing calls. You can register your phone number by calling 1-888-382-1222 or visiting donotcall.gov. - Contact the Credit Bureaus Directly
You may also reach out directly to the credit bureaus—Experian, Equifax, and TransUnion—and request to be removed from the lists that are sold to lenders.
Why Understanding Trigger Leads Matters
While these unsolicited offers may expose you to other loan options, they can also be frustrating and time-consuming. More importantly, these marketing tactics do not reflect the trusted, customer-focused experience we strive to provide at Sanibel Captiva Community Bank.
By opting out of trigger leads and staying informed, you can control how your personal credit information is shared and avoid the disruption of unsolicited loan offers.
Your Peace of Mind Is Our Priority
Sanibel Captiva Community Bank is committed to providing a personalized, transparent, and secure lending experience. We are proud to serve you, and we believe in providing our customers the knowledge and resources needed to protect their personal information.
If you have any questions or need further assistance with the loan process, don’t hesitate to contact us at 239-472-6100 or email us at [email protected].
