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January
9, 2006
How to Opt Out of Credit Card Offers
Want to stop credit card offers from showing up in your mailbox?
Here are two ways to stop the offers, or at least slow them
down:
1.
Go to OptOutPrescreen.com
or call 888-5-OPT-OUT (888-567-8688). These are the credit reporting
industry's opt-in/opt-out resources, which stops the four credit
reporting agencies (Equifax, Experian, Innovis, and TransUnion)
from selling your credit information to direct marketers. You
can opt out for a five-year period or permanently. (You can
always opt in again if you decide you'd like to get these offers
in the future.)
2.
Add your name to the Direct Marketing Association's (DMA) Do
Not Mail file. You can access this service online by going here,
or you can send a letter or postcard with your name, address
and signature to Mail Preference Service, Direct Marketing Association,
PO Box 643, Carmel, NY 10512. Online requests carry a $5 fee,
while mail requests are only the cost of postage. The DMA's
member companies check against the Do Not Mail file to take
out names of people who don't want to receive offerings by mail.
Your name stays on the list for 5 years, and you can re-register
at the end of that period.
Credit card companies get consumer information from other sources
in addition to those mentioned above, so, while these two methods
will considerably slow down credit card offers, the offers won't
necessarily stop completely.
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