You have the ability to opt out of credit card offers that you receive in the mail or over the phone. If it seems like your mail box is over-flowing with offers of pre-approved credit, you probably resent the excess mail and worry about someone stealing the information.
If you would like to put a stop to all the offers, you can use the ideas below.
Calling 1-888-5-OPTOUT (1-888-567-8688) to have your name removed from direct marketing lists. You can do this online at OptOutPreScreen.com, which is the official consumer credit reporting industry website for handling these types of requests.
Contacting the individual credit bureaus by sending your request to the following addresses:
Register with DMAchoice, an online tool developed by the Direct Marketing Association to help you manage your mail. This site divides direct mail into four categories including Credit Offers, Catalogs, Magazine Offers and Other Mail Offers. Once registered at the site, you can request to start or stop receiving mail from individual companies within each category or from an entire category at once. To register your preferences concerning direct mail, go to www.dmachoice.org
Stop unsolicited telemarketing calls by registering your telephone number online at www.DONOTCALL.GOV. You can also call toll-free at 1-888-382-1222 (TTY 1-866-290-4236), from the telephone number you wish to register. Registration is free, and will stop most, but not all, telemarketing calls.
Choosing to opt out of credit card offers not only frees up your time and mailbox, it also helps remove the temptation to get further in debt. If you have had your share of financial troubles, check out the following sections: