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Free Mortgage Referral Program (See Trigger Lead Warning Below)

Credit Technologies has created a mortgage referral program that does not involve the release of any consumers information. This program delivers mortgage referrals to our mortgage broker and lender clients nationwide  - free of charge. 


Here's how it works,


Thousands of consumers visit each day (currently more than 20,000 each month) many of whom are searching for the best mortgage or refinance opportunity. We refer each consumer that contacts us to mortgage professionals certified to offer our credit rescoring services that are located, or licensed to originate loans within their immediate area - it's that simple.


For a sample of what drives mortgage applicants to our clients nationwide, take a look in our consumer section


Credit Technologies does NOT,

  • We do NOT provide any information whatsoever regarding our client's borrowers, this includes the sale of any applicant information. The referrals we generate are based solely on consumers visiting in search of a mortgage professional, or those seeking a second opinion on an existing mortgage offering.

  • We do NOT use email as a consumer marketing program. Credit Technologies does not engage in unsolicited commercial email (SPAM.)

  • As many variables exist including your geographic area, we do NOT provide estimates or guarantee the number of referrals provided to a specific lender or broker at any time.

  • Mortgage referrals are provided free of charge to all clients that have chosen Credit Technologies as their primary provider of credit services, are in good standing and have completed our free Mortgage Alchemy course.  At this time there is no option to purchase these referrals, or secure any preferential treatment.

While we cannot estimate how many free referrals you will receive during any time period, we guarantee it will be more than are provided by your current credit reporting agency.



A Warning About Trigger Leads - and The TriggerProof™ Solution


There is a disturbing practice in the credit reporting industry. The credit repositories are selling consumer data based on mortgage permissible purpose inquiries as sales leads often referred to as trigger leads. This program can result in your applicants’ data being subject to query and sale to competing brokers, lenders or worse yet - marketing companies which in turn resell them again as leads to untold numbers of mortgage brokers/lenders.  All of this can occur within hours of your inquiry and this information can be filtered in such a way that the consumer often believes the unsolicited caller is looking at an actual copy of their credit report.

As this data is being sold by the repositories, it largely does not matter what credit reseller you obtain your credit reports through, nor is it possible for you to do anything with reference to your account with your credit bureau to avoid your applicants' personal information being sold through trigger leads. When your account is established with your credit reporting agency, the permissible purpose code is set and must reflect the intended use (i.e. mortgage/real estate lending.) Any attempt to "fool" the system would fail as physical inspections are required by all repositories to verify the intended use of the credit data. 

There is an Opt-Out process whereby a consumer can remove themselves from most marketing programs (888-5-OPTOUT or ) however, this process takes up to 5 days to become effective – so it is of little value in protecting mortgage applicants from trigger leads. We are now seeing complaints from consumers that indicate they followed the opt-out process and were still subject to unsolicited contacts through trigger leads.


TriggerProof Your Applicants, and Your Pipeline


Failing to protect your applicants from the abuses of trigger leads often results in the belief "you" were the source of their personal information being provided to dozens of other brokers and lenders. Credit Technologies has developed an education program to protect your applicants against the onslaught of competitors buying their personal information. The TriggerProof program not only teaches you how to prevent the loss of a client, it gives you the resources to actually benefit from the actions of your competitors. TriggerProof is part of our Mortgage Alchemy program and is available exclusively to Credit Technologies' clients.


Credit Technologies Will Never Sell Information Pertaining to You or Your Borrower

Credit Technologies does not participate in the sale of Trigger Leads, nor any data concerning our clients or applicants. We suggest that you review the policies of your current credit reporting agency as many are now actively promoting the sale of your borrowers data to competing mortgage brokers and lenders. We believe these tactics to be grossly inappropriate, resulting in unsuspecting consumers being deluged with unwelcome solicitations. In many cases your borrowers may receive phone calls to their residence or place of business from other mortgage brokers or lenders who have purchased their information within days of meeting with your loan officer. 


To learn more about the TriggerProof program, or any Credit Technologies product or service, call 800.445.4922. we'll be happy to answer any questions you may have.


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