Wednesday, February 18, 2009
I just learned something new today on DaveRamsey.com. Did you know you can stop all those pre-approved credit cards from coming to your mailbox? Not only is all this junk mail annoying, but it also puts you at greater risk for identity theft--someone could steal an application from your trash, fill it out, and spend money with a credit card in your name.
The pre-approved credit cards come as a result of prescreen marketing though the credit bureaus. You can tell the bureaus you want to opt out of there list. Visit https://www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). You can opt out for five years through this process. You can opt out permanently by following up with a written letter.
Visit the Federal Trade Commission article for more details.
I went to the website and did this myself a couple of days ago. The process is very quick and easy. Permanently opting out is also easy--the website allows you to print a form, which you sign and mail in. Just one letter sent to one address will permanently opt you out from all credit agencies.
Posted by Kevin Sanders at 3:37 PM