Click the link under the picture of the soldiers to see more details of Alan Wood and the famous picture of the raising of the flag on Mount Suribachi after 36 days of one of the bloodiest battles in history.
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My mother...Emily DiGennaro in her Easter Bonnet.
With my Mum at Mumm!
On Monday & Tuesday, I will be in Washington DC for Congressional meetings to discuss some of the issue's in mortgage lending that we would like to see changed. One of them is known as Trigger Leads. This has most likely affected you but you were not aware at that moment!
Have you noticed that whenever your credit is pulled for the purchase of something....i.e......new car, home or investment property....you suddenly start getting phone calls and solicitations from companies you don't even know?
This is because the three national credit bureau's...Experian, Transunion and Equifax are selling these leads (known as "Trigger Leads") to competing companies! And....Trigger Leads are created and sold super fast...often within just 24 hours of your credit report being pulled!
This allows those competitors to call you and solicit your business before you get locked into the lender to whom you've applied. So, out of the blue your phone starts ringing and suddenly your the target of a pitch from a competitor offering a deal that may be real, deceptive or no better than the one you've already been quoted! Causing a lot of confusion for you.
Enough of these lead-driven offers are deceptive that our industry group, The National Association of Mortgage Brokers (NAMB), will be campaigning on Capitol Hill this week for an outright ban. As a group we feel that trigger leads sold by the national credit bureau's inevitably expose borrowers to identity theft, disrupt on-going mortgage transactions and open the door to a wide range of unscrupulous come-ons.
To illustrate the problem, Meridian Home Mortgage, a Maryland lender, recently posted a recording of a voicemail that they say was an actual trigger lead call to a borrower. The caller "misrepresents who he is, where he is calling from and even the purpose of the call", Meridian said.
Click Here to know what to watch out for.