Did you know when you apply for credit with a company, and they pull your credit report, your name and address is then sold by the credit reporting agency to various credit companies to pre-approve you for their product or service? These offers of credit are often called “trigger leads” or “prescreen offers”. When a credit report is requested from the credit agencies it is flagged and a “lead” is created. These leads are generated daily so the companies purchasing them know that the information is current. Your name, address and phone number is then sold to marketing, credit card, mortgage and insurance companies as “trigger leads” or “prescreen offers”.