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Opt Out Of Pre-approved
Credit Card Offers

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.

There are many ways to opt out of credit card offers, such as:

  • 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 opt-out website.  
  • Contacting the individual credit bureaus by sending your request to the following addresses:

    Equifax at:
    Equifax Inc
    PO Box 740123
    Atlanta, GA 30374-0123

    TransUnion at:
    TransUnion Name Removal Option
    P.O. Box 505
    Woodlyn, PA 19094

    Experian at:
    901 West Bond
    Lincoln, NE 68521
    Attn: Consumer Services Department
     

  • 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:


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