During the loan application process, one of the standard requirements is that your loan officer will check the applicant’s credit history through the three major U.S. credit bureaus—Experian, Equifax, and TransUnion. As a result, a record indicating that you are seeking a loan is “triggered” within the credit bureaus’ databases. Financial institutions that subscribe to this type of information may be notified that you are applying for a specific type of loan. These institutions may then purchase your phone number from third-party providers and contact you to market related products and services.
Therefore, if you unexpectedly receive many unsolicited sales calls after submitting a loan application, there is usually no need to be alarmed. In most cases, this is the reason. While you may not appreciate this type of marketing, it does not violate the provisions of the Fair Credit Reporting Act (FCRA).
Does this mean that consumers have no way to prevent these annoying solicitation calls? Not at all. The solution is to take preventive action by opting out in advance. You can do so either online or by phone:
- Visit www.OptOutPrescreen.com and complete a form providing your name, date of birth, Social Security number, and home address. The process takes about five minutes to complete and submit; or
- Call 1-888-5-OPTOUT and provide the required information.
It is important to note that when a husband and wife apply for a loan jointly, both applicants should opt out if they wish to completely avoid receiving solicitation calls after submitting the loan application.
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在美国贷款申请递交后莫名地收到许多推销电话，这是信息泄露吗，该如何防范？
在申请贷款的过程中，作为贷款要求之一，您的贷款经办人都需要经过美国的三大信用局（Experian、Equifax、TransUnion）核查贷款申请人的信用记录。这样一来就会在信用局的后台数据库中“触发”一个贷款需求的信息，一些联网的金融机构如果订购了此类信息，便会收到信息了解到您正在申请某种贷款，于是从第三方提供商那里购买您的电话号码来同您取得联系推销各种相关业务。
所以您如果在提交贷款申请后莫名地收到许多无关的推销电话，先不要惊慌，大概率就是以上原因引起的。虽然您可能不太喜欢这种主动推销的做法，但它不违反Fair Credit Reporting （公平信用报告法）的法律规定。这是不是意味这作为消费者我们没有办法防范这种烦人的推销电话吗？当然不是！答案就是防患于未然，事先主动Opt-out！网上及电话均可：
- 登录www.OptOutPrescreen.com填写一份表格提供姓名，出生日期，社安号及家庭住址，五分钟之内即可完成并提交，或者
- 拨打电话1-888-5-OPTOUT，提供所需信息。
需要补充说明的是一般情况下夫妻双方共同申请贷款，如想完全避免贷款申请之后的推销电话，最好夫妻双方同时Opt-out。
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