Credit bureaus have reportedly returned to the practice of “trigger listing,” used extensively in the lead up to the 2008 housing market-crisis. Consumer advocate, Ed Mierzwinski, describes the process as follows: When a consumer applies for a loan to purchase property, the credit bureaus alert potential lenders to the transaction; those competitors, which Mierzwinski notes are often the industry’s “bottom feeders,” reach out to the home buyer, claiming to offer a better rate. The problem, according to Mierzwinski, is that this situation breeds deceptive practices, as homebuyers are put under pressure to complete the transaction.