A credit pull alert is a notification that a borrower or past client has had their credit checked for a mortgage inquiry. These alerts are powered by credit bureaus and integrated into mortgage CRMs or monitoring platforms.
Put simply, when someone in your database has their credit pulled for a mortgage, you’re notified. This early warning gives you the chance to re-engage quickly and reduce the risk of losing the client to another lender.
How to Use Credit Pull Alerts in BNTouch CRM
Setup & Activation
Credit Pull Alerts can be enabled directly in BNTouch by typing “credit pull alert” in the options menu. Activation requires admin access, and once enabled, you can configure which contacts you want to monitor.
To properly trigger alerts, borrower data needs to include:
First & last name
Date of birth
Social Security number
Mailing address
This ensures the system can match your database records against bureau credit pulls with precision.
Monitoring Options
You don’t have to monitor your entire database if you don’t want to. BNTouch allows you to:
Monitor all records for complete coverage, or
Target specific groups or marketing sequences to save costs.
For example, you could create a segment of funded clients with higher-than-average rates who are prime candidates for refinancing. That way, you’re only paying for the alerts that matter most.
Pricing typically runs around $0.10 per contact for full-database monitoring, or $0.20 per contact if you segment further for more targeted monitoring.
Why Credit Pull Alerts Matter for Mortgage Professionals
Retaining Past Clients
Client retention is one of the toughest challenges in the mortgage industry. Borrowers often refinance or purchase again without going back to their original loan officer. By the time you find out, the deal is already underway elsewhere. Credit pull alerts provide early visibility so you can reconnect before that happens.
Reviving Cold Leads
Most databases contain thousands of leads that didn’t convert the first time. A mortgage credit alert shows when one of those inactive leads is suddenly back in the market. That’s your chance to restart the conversation with context.
Improving Timing
The mortgage process moves fast. The first lender to contact a borrower after a credit inquiry wins the business in most cases. With borrower credit pull notifications, loan officers can respond within hours of renewed borrower activity.
Maximizing Marketing ROI
Advertising, referrals, and lead generation all cost money. Credit pull alerts stretch the value of those efforts by surfacing leads that reappear years later.
Strengthening Client Relationships
Reaching out at the right time demonstrates attentiveness. Clients see you as proactive rather than reactive, which builds trust and long-term loyalty.
How Credit Pull Alerts Work
The process is straightforward:
The system connects with a credit bureau such as TransUnion, which records mortgage-related credit inquiries.
Your CRM or monitoring platform checks your database against those records.
When a match is found, an alert is generated within 24–48 hours.
The alert is delivered to your dashboard, inbox, or both.
You can then call, email, text, or trigger a workflow to re-engage the client.
This process turns otherwise invisible borrower activity into actionable opportunities.
Example: How BNTouch Implements Credit Pull Alerts
Some mortgage CRMs, like BNTouch, integrate this feature directly into their system. Here’s how it functions in practice:
Daily database monitoring for mortgage-related credit pulls.
Alerts delivered from TransUnion typically within one to two days.
Notifications appear on the CRM dashboard and by email.
Loan officers can take immediate action—call, email, text, or launch automated campaigns.
Segmented database monitoring: Unlike many larger solutions, which often require you to monitor your entire client database (at a higher cost), BNTouch allows you to choose specific groups or sequences to track—such as funded clients or your highest-value leads.
This flexibility ensures you’re only monitoring what matters most to your business while keeping costs efficient.
Dashboard & Lead Management
Alerts appear in the Customer Intelligence Suite dashboard once they’re processed (typically overnight). You’ll see borrower details such as credit score, loan amount, interest rate, and property address.
From there, you can:
Dismiss irrelevant alerts, or
Immediately trigger outreach campaigns (calls, texts, emails, or automation sequences).
See it in Action! Schedule a Live Demo of BNTouch CRM Today
Campaign Setup for Credit Pull Alerts
Inside BNTouch, you can build campaigns tailored specifically for credit pull alerts. These can include:
Automated SMS and emails
Ringless voicemail drops (requires activation in settings)
Task reminders for your team to follow up
Group updates to keep contacts organized
Campaign steps can be set to fire immediately or on a timed delay depending on how aggressive you want your outreach strategy to be.
For those who prefer manual engagement, you can also create reusable email templates and quick-send messages.
The Value for Mortgage Professionals
Early Lead Generation: Be alerted as soon as a borrower in your database re-enters the mortgage market.
Competitive Edge: Larger companies use credit inquiry alerts at scale. With integrated CRM tools, independent brokers and small teams can compete on timing.
Higher Conversion Rates: Re-engaging someone already in your system is more effective than starting from scratch.
Retention Support: Reduce churn by checking in with past clients before they sign with another lender.
Targeted Monitoring: Segmenting your database means focusing only on the most relevant borrowers, instead of wasting resources monitoring inactive records.
Practical Example
A loan officer with a database of 2,500 contacts might expect 1%—about 25 people—to have mortgage credit activity in a given month.
If just 10% of those alerts convert into closed loans, that’s two or three extra deals monthly. At an average commission of $2,500 per loan, that translates into an additional $60,000–$90,000 annually—without new advertising spend.
FAQs About Credit Pull Alerts
1. What exactly triggers the alert? A mortgage credit pull recorded by a bureau such as TransUnion.
2. How quickly are alerts delivered? Most arrive within 24–48 hours of the credit inquiry.
3. Do alerts apply to purchases and refinances? Yes, they fire for any mortgage-related credit activity.
4. Are credit pull alerts compliant? Yes. When provided through authorized systems, they comply with the Fair Credit Reporting Act (FCRA).
5. Do I have to monitor my whole database? Not with every system. Larger platforms often require full-database monitoring at higher costs, but solutions like BNTouch allow you to segment—choosing only funded clients, top leads, or specific campaigns to track.
6. Where do alerts show up in BNTouch? In the Credit Pull Alerts dashboard inside Customer Intelligence Suite, with full borrower details included.
7. Can I get help setting up campaigns? Yes. BNTouch offers White Glove Service — a done-for-you setup that includes campaign building, automation, and ongoing support. This is available month-to-month if you’d rather have experts configure everything for you.
Closing Thoughts
Credit pull alerts are not about pushing sales—they’re about visibility and timing. They give mortgage professionals a clear view into borrower activity that would otherwise go unnoticed.
By knowing when clients or leads are back in the market, loan officers can:
Retain past borrowers more effectively
Revive cold leads into active opportunities
Improve timing and conversion rates
Stretch the value of their marketing investment
Strengthen long-term client relationships
In a competitive industry where timing can decide outcomes, credit pull alerts provide practical intelligence that helps professionals stay one step ahead.
