Tired of getting those “preapproved” credit card offers?

Credit card companies cull your name from one of the three major creditreporting agencies (Transunion, Experian and Equifax) and send you “preapproved” offers of credit. We all get them. Some of us get large numbers of them. If they annoy you, you can shut them off.

There is a web site that lets you do this:


Here is some of what they say:

Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies, are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance. The FCRA also provides you the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your credit file information for firm offers of credit or insurance that are not initiated by you.

Through this website, you may request to:

  • Opt-Out from receiving firm offers for 5 years
  • Opt-Out from receiving firm offers permanently
  • Opt-In and begin receiving firm offers. This option is for consumers who have previously completed a request to Opt-Out.
  • If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies.

    If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public.

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