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September 27, 2005

How to Opt Out of Credit Card Offers

Do you constantly receive unsolicited pre-approved credit card offers? If you're tired of these card offers and want to stop them than you can try to use a service called "Opt-Out". It was set up by the three major credit bureaus, Experian, TransUnion, Equifax and Innovis, to stop the pre-approved credit card offers.

Do the following:

- Call 1-888-5-OPT-OUT (888-567-8688)
- Or visit www.optoutprescreen.com
- Provide some personal information
- The information will be used only to process your request
- It takes 5 days for your request to become effective
- You may choose between Opting-Out for 5 Years and Permanent Opting-Out
- Your name will be removed from credit card offer lists for five years or permanently

Opting-out basically means that the major credit bureaus will remove your name from the lists they generate for pre-approved credit offers. And so the credit card companies won't get your credit file from the bureaus.
Keep in mind though, that you may still receive offers directly from the credit card companies.

The Opt-Out Options Screen:

The Opt-Out Personal Information Screen:

Posted in Credit Cards at September 27, 2005 11:43 AM

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