Today I took an important step to stop the junk mail that invades our home. I may regret not getting 1,000's of credit offers in the mail, but I think the mailman might enjoy a slightly lighter mailbag now!
Several recent credit offers had information about opting out of receiving credit offers. I took that step today.
The notice read:
Prescreen & Opt-Out Notice: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreen offers of credit from this and other companies, you can call 1-888-567-8688 or write to the following consumer reporting agencies. [It listed all three agencies and their addresses.]
I called the number and gave them all the information, I don't think the voice recognition software understood my address. You can also check out the Prescreen website. I did a permanent opt-out which has to be verified by mail but a temporary (3 year) opt-out can be done without further verification. If for some reason want to opt-back-in for more junk mail that is an option!
Have you done this? What are your results?