How ToOpt Out

Do you receive telephone calls or direct mail with offers of credit or insurance that you did not request? Sometimes right after you applied for credit with another company? There is a reason. Creditors and insurers will set criteria for consumers they would like to contact. The criteria utilizes information held in individual credit files, including credit scores, and helps establish suitability and creditworthiness of the consumer. The consumer contact information for individuals that meet the creditor/insurer standards is then purchased from a Credit Reporting Agency and used to make offers to you.

The Fair Credit Reporting Act (FCRA) allows the use of Credit Reporting Agency information by creditors and insurers to make unsolicited offers of credit or insurance only if the offer is a firm offer of credit as outlined by the FCRA.

If you feel that you would not like to receive prescreened offers you may opt out of receiving them. After opting out, you may opt back in at any time via the same methods. To opt out, you can go online, call or mail in your request.