The calls come from the credit bureaus selling your inquiry, and you can shut most of it down before anyone pulls your credit. When a lender pulls your credit for a mortgage application, the bureaus sell that shopping signal to other companies, often 70 to 90 or more. Then come the calls, texts, and voicemails, and some of those callers pretend to be your current lender or the one you just spoke with, pitching a better deal without knowing a single one of your actual terms. Two moves, both before the pull: - Opt out at optoutprescreen.com, ideally at least seven days before your credit gets pulled, since trigger leads are a form of pre-screened offer. - Register your number on the national Do Not Call list. Together those two steps are the single biggest protection you have. For what it is worth, our team does not sell your credit report or your contact information to third parties, so the flood is not coming from us. The bureau-level opt-out stops it at the source, and the protection needs a few days to take effect, so do it early.