It doesn't matter if it's legal or not... when I bought my last car, I had some credit problems, so they sent my app (with my cell #, no home)off to lots of the smaller credit companies... within a week of taking the car home, I was getting a MINIMUM of 5 calls per day on my cell, EVERY DAY!!! There was nothing I could do... took well over a hundred calls from people trying to give me credit cards, then I changed my number... I no longer use my cell for anything but business... I can't afford to have that happen again...