If you’re tired of receiving endless credit card offers in your mailbox or fielding dozens of calls every time someone checks your credit, you have options. By opting out of unsolicited credit and insurance offers, you can keep your personal information private and, as a bonus, may even see a slight boost in your credit score.
How to Opt-Out of Credit and Insurance Offers
The website OptOutPrescreen.com is your one-stop destination to manage your preferences for credit and insurance offers. Here’s how to enroll:
- Visit the OptOutPrescreen website and select “Electronic Opt-Out” for a five-year period.
- Submit your information as requested by the site.
- Confirmation and done! Your information will be removed from lists used by credit reporting companies, and you should see fewer credit and insurance offers in the mail.
If you’d like a more permanent solution, you can mail in the Permanent Opt-Out Election form, which is also available on the website.
Why Does This Website Exist?
Under the Fair Credit Reporting Act (FCRA), consumer credit reporting companies are allowed to share your information with creditors or insurers so they can offer you credit or insurance products – these are known as “firm offers.” But the FCRA also gives you the right to Opt-Out. By doing so, you prevent credit reporting companies from including your information on lists for these unsolicited offers.
What Are Your Options on OptOutPrescreen?
- Opt-Out for Five Years: Choose this electronic option to opt out of offers for a five-year period.
- Permanent Opt-Out: For a long-term solution, you can request a permanent opt-out by mailing the completed election form.
- Opt-In Option: If you’ve previously opted out, you can opt back in to receive these offers again.
Choosing to opt out is an easy way to take control of your personal information, reduce unwanted mail, and potentially boost your credit score. Visit OptOutPrescreen.com today to simplify your inbox and safeguard your privacy!
