The Homeowners Privacy Protection Act, also known as the Trigger Leads Bill, was introduced on April 10, 2025. After undergoing committee review and a few amendments, it was passed by Congress on August 2, 2025. The primary purpose of the bill is “to amend the Fair Credit Reporting Act to prevent consumer reporting agencies from … Read more
Over the past year, several promising advancements were proposed for the credit industry, including the removal of medical debt from credit reports, adjustments to trigger leads (credit offers based on consumer inquiries), and the development of the FHFA Credit Score Initiative aimed at improving credit scoring fairness. However, these initiatives are currently on hold due … Read more
Trigger Leads are something that seems to be more prevalent and worrisome over the last few years. It would be common for Advantage Credit to get calls and/or emails once or twice a month regarding this practice but lately it has been several times a week. So, what is a mortgage trigger lead? When a … Read more