We have all experienced going to the mailbox and finding it jammed with credit card offers that we never wanted to receive. This isn’t just an annoyance and waste of paper—it has the potential to leave you open to identity theft if it lands in the wrong hands. Scammers steal mail from mailboxes and trash bins hoping to come across one of these credit card offers.
If you are tired of getting these offers and possibly having your identity compromised, the good news is that you can reduce these solicitations by opting out. The Federal Trade Commission provides the following information to help you opt-out:
To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.
To opt out permanently: You may begin the permanent opt-out process online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out Election form, which will be provided after you initiate your online request.
When you call or visit the website, you'll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth.
While opting out will not stop your financial institution from selling your information, it may reduce the number of solicitations you receive.