What exactly is a pre screen optout? Well, it was decided that the consumer has a say in whether or not they want to receive pre screen credit card offers that they have been selected for. Many people receive credit card offers in the mail. Also called pre-approved offers, these credit offers are generally sent because certain companies set criteria for potential customers that fit the picture that they want in a consumer. They use credit basics like income, age, marital status and even location. If you would like these to stop from arriving in your mailbox, that is what to do to optout of prescreen offers. But just because you opout of these offers does not mean that you necessarily optout of all offers. Be aware that not all credit card offers that arrive in your mail are derived from prescreened information, so some offers may still arrive. Since these pre-screened offers do not affect your credit score in any way, you can choose to contact the credit agencies and choose a pre screen optout. After you register there, you will need to mail forms to all credit bureaus. Below is a list of the addresses you will needExperian Opt Out P.O. Box 919 Allen, TX 75013 TransUnion Name Removal Option P.O. Box 505 Woodlyn, PA 19094 Equifax, Inc. Options P.O. Box 740123 Atlanta, GA 30374-0123 Innovis Consumer Assistance P.O. Box 495 Pittsburgh, PA 15230-0495
You can also opt out by visiting the website- https://www.optoutprescreen.com/?rf=t However, since you must send forms to these bureaus anyways, you can surpass the otpout prescreen website and initiate a response directly to these addresses first. Be sure to include your name, telephone number, SSN, and date of birth. Optoutprescreen.com is a legitimate website that offers valid services, so you need not fear in using them if you so choose. See this link for their verification, as they are on the FTC's website. You can decide whether your prescreen optout is a 5 year duration or permanent one, please be sure to specify when you send in the forms/papers to the addresses above. It can take up to 60 days for the prescreen optout to take effect, so be patient. If you still receive what you believe to be pre screened credit offers, you may file a complaint with the FTC. Please keep in mind,
however, that the prescreen opt out only takes care of certain credit and insurance offers, and will not stop all unwanted, unsolicited mail from arriving. If you want other pieces of mail to stop, please contact the source of the mail. You can also contact the DMAchoice.org website. Visit the DMAChoice FAQ page to see how you can opt out of other mail items coming to you.