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  • Opting Out Of Credit Card Offers

     

    Ladies

    I hope this is in the right section. I get so much junk mail including credit card offers that it's hard to see my true mail. I think I remember reading somewhere that you can opt out of junk mail and such. Y'all know anything about it?

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    Member
     

    Hi, sis! I do know that you can opt out of receiving credit offers by calling the toll free# thats listed right under the paragraph that details the offer. I have an offer sent to me by Bank of America and I think the # is the same, but you could try this one if you'd like: 1-888-567-8688. I also did a Google search and found the link to the Federal Trade Commision's site on how to block pre-screened offers Block Pre-screened offers Hope that helps!

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    Thanks for the tip.

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    i get like 30 of them a month
    but it feels OH SO GOOD tearing it up and puttin in the trash! they wont be having any shackles on ME!!!!

    and far as telemarkets, try dontcall.gov.. or somethin like that.. it works.

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    Buttah, I get close to 30 in 2 days. My car is full of junk mail. I made a conscious effort to shred all of the junk mail like credit card offers. Unfortunately I fried a shredder last year and I don't want to fry the new one. So now I open all of it and trash the envelope and have another bag to shred. It's so hard to keep it separated from real mail.

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    I have opted out but it took several weeks to stop all offers. I still get them now and then but they are usually from places with which I have some connection: my bank, alma mater, AAA, etc. Instead of 2 or 3 day, I'm down to 1 or 2 week. I shred them at work.

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    something i didnt know--- they do inquiries on your credit for those prescreened offers.. too many inquiries w/o them turning into credit accounts CAN hurt your credit. so i'm opting out NOW.

    here's a direct link for that- https://www.optoutprescreen.com/

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    here's a direct link for that- https://www.optoutprescreen.com/...

    I found this out the hard way by checking my credit report and seeing 3 pages of inquiries :Angry: ! I didn't know there was a way to opt out of this, but I'll be sure to visit that link!

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    Just to clarify. Soft inquiries (these are what creditors and other merchants pull to pre-screen you for offers) don't affect your credit scores. You won't get better scores by opting out. Hard inquiries may lower your scores if you have too many of them in a short period of time. Hard inquiries are only generated with your permission by e.g. creditors when you apply for something, employment/background check, apps for rentals, insurance, etc. If you pull a copy of your reports it will tell you how many hard inqs you have in the past two years. Go by that number - not the number of softs. They also list the names and addy's of the entities who pulled the hard inquiries - you should examine those to make sure you recognize them. Don't panic if you see the name of an entity that you don't recognize at first. Sometimes the entity who pulled the inquiry is a parent corporation or third party designee of the entity that you applied to. So sort that out first. If you straight up don't recognize the entity use the contact info to call and find out what it's about. If it shouldn't be there it can be removed from your reports by dispute procedure.

    About opting out - for me they stop sending offers in the mail if I don't respond to any of them so I didn't bother to opt out. This makes sense. Paper costs money - and I am going to assume they track response rates.

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    thanks for the clarification about hard vs. soft inquiries. that definitely gave me some peace of mind.

    as far as not responding, that hasnt worked for me. it's been almost 2 years and i still receive at least 3-4 new offers a day. they go straight to the shredder and STILL there's no relief for me.

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    I'm concerned about participating in the opt-out programs. To me, I'm giving my information, therefore, making the address and social security number open for getting MORE junk mail. Where's the guarantee the such information will not be sold, redistributed or stolen?

    Also appreciated the information that Tiye posted. Would you advise sending the pre-paid envelope back with a note of decline? That way the credit card company pays for the postage, sending the message that they paid for an unsolicited request?

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    I started getting all of this crap after I bought my house 2 years ago.
    I never respond.

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    Also appreciated the information that Tiye posted. Would you advise...

    I don't know about notes of decline because they haven't really offered anything yet. A pre-app is just a sales solicitation. You could tell them in writing (or by phone) that you want to be removed from their mailing lists and see if that works. I know some people who got angry and called e.g. the cable company to complain about selling having their names to other creditors and retailers. I don't know if this worked to stop the mail though. The other thing is that mailing lists come from different sources. This opt out https://www.optoutprescreen.com/ just gets you off mailing lists sold by 3 credit bureaus. Your name could also be on one or more lists because of things like retail purchases (any retailer who has your name in their database), magazine subscriptions, etc.

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    http://www.msnbc.msn.com/id/18530707/

    I haven't tried anything in this article yet, but it has lots of useful tools to stop the madness.

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    I haven't tried anything in this article yet, but it...

    i would sign up.. but i dont like the sound of having to enter my SS#

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