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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.

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✓Bureau Opt-Out Guidance✓All 3 Bureaus Covered✓Zero Score Impact✓Free for CTI Members
Trigger Proof™ — How It Protects Youeducation program
Borrower Applies for MortgageTrigger clock starts
Bureaus Sell Inquiry as LeadWithin hours
Competitors Contact BorrowerCalls, mail, texts
Trigger Proof™ Opt-Out GuidanceBlocks all 3 bureaus ✓
Impact on Borrower ScoreNone ✓
Cost to CTI MembersFree ✓
Trigger Proof™ is an education program — not software. Your team learns the process and applies it directly.
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.

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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.

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Protect Your Pipeline

Once enrolled, borrowers stop receiving competing mortgage solicitations that can derail your deal and erode borrower trust mid-process.

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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.

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All Three Bureaus Covered

Trigger Proof™ guidance covers Equifax, Experian, and TransUnion opt-out enrollment — so no bureau-generated trigger lead gets through.

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Zero Credit Score Impact

The opt-out enrollment process has zero effect on your borrower's credit profile or FICO® scores.

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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.

  • 1
    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.
  • 2
    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.
  • 3
    Block All Three Bureaus
    The opt-out covers Equifax, Experian, and TransUnion — removing borrowers from trigger lead lists before competing lenders receive the data.
  • 4
    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.
Trigger Proof™ — Program Overview
Program TypeEducation & guidance
Bureau CoverageEQ · EX · TU ✓
Borrower Score ImpactNone ✓
Trigger Leads BlockedAll 3 bureaus ✓
Enrollment SpeedBefore competitors act
Cost to CTI MembersFree ✓
AvailabilityCTI members exclusively