Whenever you fill out a form to win a car from a drawing the information is purchased by telemarketing companies. Usually its timeshare companies that purchase these leads but sometimes mortgage companies as well.

Certain lenders that also have retail departments will begin to make calls for loans such as 2/28's and other ARMs(adjustable rate mortgages) when their adjustable period is almost activated, and/or when they see rates available that will be beneficial for the customers to refinance with.

Sometimes, your name is on a telemarketer's list because you have recently applied for a mortgage. The credit bureaus sell this information to mortgage companies, who in turn may try to solicit you.

A majority of telemarketer's get your names from any forms that you have filled out. This can be anything from cars, timeshares, coupons, or any type of drawing. To avoid this, check for companies that say they do not sell,share, or rent your name.

Telemarketers may also get your name from the folk who create your credit. The credit bureaus are known to sell the information of people who have pulled their credit to telemarketers who will then call you selling you what they perceive as being a better deal.