Credit card offers can fill your mailbox and become quite a nuisance. Companies looking to extend offers of credit and insurance often use the information on your credit file to ascertain if you meet their minimum credit requirements. Credit card offers don't mean that you will be approved, and don't reflect negatively on your credit report; they simply are suggesting that you may have met the credit standards of the offering company. If you wish to stop receiving pre-screened or pre-approved credit card offers, you can do so with a few simple steps.
- Difficulty:
- Easy
Instructions
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1
Opt out by phone. Simply call (888)-567-8688 and request to be placed on the opt out list for credit card offers. You will be asked certain identifying information for security purposes, such as your date of birth, Social Security number and home phone number. You have the option of opting out for five years, or permanently.
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2
Request to opt out online. Visit OptOutPrescreen.com and request to stop receiving pre-screened and pre-approved credit card offers. As with the phone method, the website will ask for information to verify your identity and provide you with the choice to opt out for five years or permanently.
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3
Contact the Direct Marketing Association. Some credit card offers are sent based on information gathered from sources other than your credit file. These types of offers can be stopped for five years by registering online at dmachoice.org. The fee to register and be deleted from mailing lists through the Direct Marketing Association is $1.
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4
Contact the business directly. For offers that you continue to receive after you opt out, you will need to contact the company directly and request that the offers be stopped. If you continue to receive unsolicited credit card offers, you should file a complaint with the Federal Trade Commission.
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