When you apply for a personal loan or mortgage, your credit report is pulled as part of the loan application. Credit Bureaus record this action, and within 24 hours your information is placed on a list, creating a “trigger lead.” This list is sold to creditors and insurers who might contact you with various unsolicited offers for credit, insurance or other financial products. Unfortunately, they often result in an influx of unwanted calls and emails that are annoying and inconvenient.

First National Bank of Tennessee respects your privacy and protects your personal and financial information. We will never sell your confidential information. However, other entities such as credit bureaus have access to your personal and financial information, and they are legally allowed to sell your information to other lenders who pay the credit bureaus for “trigger leads.”