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March 22, 2006
Reducing credit card offers
If you're anything like Terry and I, you get at least one credit card pre-approved application a day. I've always torn them in half and thrown them out. However, today, I received an email that suggests that this isn't enough. Read this. Pretty scary, huh?
In an odd coincidence, I got the following in a newsletter from my mortgage broker, Megan Carroll at Quicken Loans (highly recommended, btw):
Question: How do I stop getting credit card junk mail?
Answer: It's easy! Just call 888-5-O-P-T-O-U-T (888-567-8688) and the three major credit bureaus will remove your name from the lists they sell to companies sending out unsolicited pre-approved credit and insurance offers. You can have your name and address removed from future lists either for five years or permanently. The three major credit reporting bureaus – TransUnion, Equifax and Experian are required by law to remove your name from these lists once you opt out.
You may also contact the three credit bureaus directly and have your name removed from their lists by visiting www.optoutprescreen.com. You can also opt out your spouse as long as you have their Social Security number.
I've already done this, I suggest everyone else does too! I'm also going to add a shredder to my wedding registry on Amazon. However, if the smoke detectors and fire extinguishers on my regular wishlist are any indication, no one will buy it for me....tsk, tsk...how do you not indulge someone who wants a gift for their safety?
Posted by Janice Ryan at March 22, 2006 2:56 PM
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Posted by: CreditBeware at July 25, 2007 1:00 AM