How to Stop Pre-Approved Credit Card Offers
February 22, 2007 by
Are you tired of annoying credit card offers filling your mailbox? If so, consider these three ways to have your name removed from pre-screened lists, and stop pre-approval offers permanently.
1. Notify Credit Bureaus with a Phone Call
Many consumers are unaware of a telephone number that completely stops all pre-approved credit card offers. One phone call to 1-888-5-Optout (1-888-567-8688) notifies all three credit bureaus of your wishes to no longer receive pre-screened offers. The
system is automated, and callers have two opt-out options. The first option temporarily removes their name from pre-screened lists for two years, whereas the second option is a permanent removal.
2. Submit a Written Request to Bureaus
Contacting each credit bureau individually is another way to opt-out of pre-approved credit card offers. Unlike telephone or online notifications, this is not a one-stop method, and requires a bit more work on your part. Compose a simple letter and state your opt-out wishes. Include information such as your full name, alias, home address, mailing address, and social security number. If you have moved within the past 6 months, include your previous address. Submit written request to:
3. Contact Pre-Screen Marketing Department
Contact the Direct Marketing Association directly and avoid writing three separate letters. The credit bureaus acquire pre-screened lists from this company, and banks and other financial companies purchase the list from creditors. Following your request to have your name removed from the pre-screened list, all pre-approval credit card offers should stop. When writing the company, include your name, address, and social security number. Request a permanent removal. If not, you'll have to repeat the process every two years.
Direct Marketing Association
Attn: Mail Preference Service
PO Box 643
Carmel, NY 10512
Reasons to Stop Pre-Approval Credit Card Offers
1. Notify Credit Bureaus with a Phone Call
Many consumers are unaware of a telephone number that completely stops all pre-approved credit card offers. One phone call to 1-888-5-Optout (1-888-567-8688) notifies all three credit bureaus of your wishes to no longer receive pre-screened offers. The
2. Submit a Written Request to Bureaus
Contacting each credit bureau individually is another way to opt-out of pre-approved credit card offers. Unlike telephone or online notifications, this is not a one-stop method, and requires a bit more work on your part. Compose a simple letter and state your opt-out wishes. Include information such as your full name, alias, home address, mailing address, and social security number. If you have moved within the past 6 months, include your previous address. Submit written request to:
- Equifax Inc
PO Box 740123
Atlanta, GA 30374-0123 - TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094 - Experian
901 West Bond
Lincoln, NE 68521
Attn: Consumer Services Department
3. Contact Pre-Screen Marketing Department
Contact the Direct Marketing Association directly and avoid writing three separate letters. The credit bureaus acquire pre-screened lists from this company, and banks and other financial companies purchase the list from creditors. Following your request to have your name removed from the pre-screened list, all pre-approval credit card offers should stop. When writing the company, include your name, address, and social security number. Request a permanent removal. If not, you'll have to repeat the process every two years.
Direct Marketing Association
Attn: Mail Preference Service
PO Box 643
Carmel, NY 10512
Reasons to Stop Pre-Approval Credit Card Offers
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