Reducing Credit Card Offers
Preapproved offers — sometimes called prescreened offers
are based on information in your credit report that indicates you meet criteria set by the credit offeror. Opting out of these offers could help reduce your risk of identity theft by helping keep these unwanted mailings from falling into the wrong hands. If you don’t want to receive prescreened
credit offers
, there are two ways to submit your request to opt out for five years or permanently:
1. Call toll-free
1-888-5-OPTOUT
(
1-888-567-8688
); or
2.
Go online
for more information and to register.
The toll-free telephone number and website are operated by the major consumer reporting companies. 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. The information you provide is confidential and will be used only to process your request to opt out. Remember that if you have joint credit relationships, like a mortgage or a car loan with a spouse, partner, or other adult, you may continue to receive some prescreened solicitations until both of you exercise your opt-out right.
