How to opt out of ‘pre screened’ credit card and insurance offers

How many of you have grown tired and frustrated of those “pre screened” or “pre approved” credit card or insurance offers coming in your mail every day? Here is where an official site called OptOutPreScreen comes in.     

OptOutPrescreen is the official Consumer Credit Reporting Industry website to accept and process requests from customers to Opt-In or Opt-Out of firm offers of credit or insurance.Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies, are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance. The FCRA also provides you the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your credit file information for firm offers of credit or insurance that are not initiated by you.

 

Through this website, you may request to:

Opt-Out from receiving firm offers for 5 years

Opt-Out from receiving firm offers permanently

Opt-In and begin receiving firm offers. This option is for consumers who have previously completed a request to Opt-Out.

If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies. If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public. 

In order to exercise your right to Opt-Out of firm offers of credit and insurance, you’ll be asked to provide your personal information set out below.      Name Address Social Security Number Date of Birth Your Social Security Number and Date of Birth are not required to process your request. However, providing this information will help to ensure that your request is successfully processed.