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Trigger Lead Programs: What Are They?

Matt Culloty Posted by Matt Culloty in Digital Marketing 1 min read


If you are in the space of digital marketing or a consumer filling out your mortgage application, chances are you have heard about trigger lead programs.

Since the internet has made it easier and more efficient to collect customer data, these programs have become increasingly popular as a way to engage with potential customers.

In this article, we will bring the trigger lead program forward and explain how it works, how to opt out of it, and why it can be beneficial.


What are Trigger Leads?

Trigger leads are created by the national credit bureaus and retailers who collect customer data by tracking user transactions, purchases, and activities. 

These leads are triggered when certain criteria are met and are then marketed to potential customers who are likely to be interested in a certain product or service. 

Trigger leads are common in industries such as credit cards, mortgages, insurance, and other financial services. These are also used in digital marketing campaigns to target prospective customers who have already expressed an interest in a product.

By leveraging trigger These are also valuable in helping businesses identify leads that may have otherwise been overlooked, helping to ensure that companies don’t miss out on potential customers.

Spam Blocking

How to Stop Trigger Leads on Your Mortgage

Opting out from these programs is a common occurrence, especially for people who value their privacy and don’t want to be tracked by companies. To opt out, you can do these three things:

1. National “Do Not Call” Registry

The first thing you can do is register with the National “Do Not Call” Registry. They are the nation’s consumer protection agency and they provide a way for consumers to control which companies are allowed to call them. 

To opt out, you can put your name and phone number on the registry, and certain businesses will no longer be allowed to contact you. Just make sure to do this 30 days prior to applying for a loan or service.

2. OptOutPrescreen

Another thing you can do is go to OptOutPrescreen, which is a website that allows you to opt out of receiving prescreened offers of credit and insurance. 

From future mailings to callers, you can have your name removed from these lists for five years or permanently. 

Insurance offers and credit card applications can be quite annoying so it is always best to opt out of these offers if you feel uncomfortable about these companies having access to your information.

3. DMAchoice

DMAchoice is a website that allows you to opt out of receiving loan offers through direct mail. This site is run by the Data and Marketing Association and you can use it to control the marketing mail you receive. 

With this, you can keep your email and other personal information from being collected and distributed to companies as well as keep your inboxes free from clutter.

Cold Calling

Why Trigger Lead Programs Can be Beneficial

If you are a marketer, loan officer, or business owner, understanding how trigger leads can be beneficial is very important. 

Trigger lead programs allow businesses to reach out to potential customers who are already interested in their products or services. 

These programs also help to ensure that you are not wasting your time by targeting people who may not be interested.

For consumers, trigger leads can be beneficial because they offer the opportunity to get information about products and services tailored specifically to their interests.

 If a company is offering something that a potential customer is already interested in, then it can give them the chance to learn more about a product or service that may be of benefit. 

However, this can be very intrusive. Chances are if you are receiving trigger leads, it means that your information has been collected and shared without your consent. The good thing about it is that there are many ways to opt out of these programs.

The Bottom Line

Trigger lead programs are a great way for businesses to target potential customers who have already expressed an interest in the products they are offering. 

The same way goes for loan applicants, they can be targeted with offers they may find interesting. One thing to keep in mind is that if you are receiving trigger leads, your information and activities may have been tracked without your consent. 

To protect yourself, it is important to take the necessary steps to opt out of these programs if you do not feel comfortable with them. At the end of the day, it is important to make sure you are in control of your data and that it is not being used without your permission.

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Matt Culloty