Trigger Proof℠
Stop Trigger Leads Before They Start.
Trigger Proof℠ is CTI’s exclusive education program that teaches your team how trigger leads work — and guides you through the bureau opt-out process to protect every borrower from the moment they apply.
- Bureau Opt-Out Guidance
- All 3 Bureaus Covered
- Zero Score Impact
- Free for CTI Members
Your Borrowers Are Being Poached. Here’s How to Stop It.
When a borrower applies for a mortgage, the credit bureaus sell that inquiry as a trigger lead to competing lenders within hours. Trigger Proof℠ gives your team the knowledge and step-by-step guidance to enroll borrowers in the national opt-out program — before competitors can call.
Bureau Opt-Out Guidance
Our program walks your team through enrolling borrowers in the national credit bureau opt-out process — removing them from trigger lead lists before competitors receive the data.
Protect Your Pipeline
Once enrolled, borrowers stop receiving competing mortgage solicitations that can derail your deal and erode borrower trust mid-process.
Fast Enrollment Guidance
The Trigger Proof℠ program equips your team to act quickly — typically before competing lenders even receive trigger lead data from the bureaus.
All Three Bureaus Covered
Trigger Proof℠ guidance covers Equifax, Experian, and TransUnion opt-out enrollment — so no bureau-generated trigger lead gets through.
Zero Credit Score Impact
The opt-out enrollment process has zero effect on your borrower’s credit profile or FICO® scores.
Free for CTI Members
Trigger Proof℠ is available exclusively to Credit Technologies members as part of your credit reporting relationship — at no extra cost.
The Trigger Proof℠ Process
Protect Every Borrower in 4 Steps
Trigger Proof℠ gives your team the knowledge and resources to enroll borrowers in the national opt-out program before competitors can act.
Learn How Trigger Leads Work
The program educates your team on how credit bureaus sell inquiry data as trigger leads — and why standard workarounds don’t work.
Guide Borrowers Through Opt-Out
Using Trigger Proof℠ resources, your team walks each borrower through the national credit bureau opt-out enrollment process at the time of application.
Block All Three Bureaus
The opt-out covers Equifax, Experian, and TransUnion — removing borrowers from trigger lead lists before competing lenders receive the data.
Keep the Borrower. Close the Loan.
With competitors blocked from contacting your borrower, your deal stays on track and borrower trust remains intact through closing.