Tired of Getting Credit Card Offers in the Mail? How to Opt Out

Published May 20, 2011

Mailbox_Josh_McGinn_CCFlickrCredit Card Question: I keep getting credit card offers in the mail and I don't need a new card right now. How do I make it stop?

Answer: More and more people are asking this question. Mail solicitations have gone way up, so that's why folks are starting to get wary. If you're not in the market for a new credit card offer, it's really just junk mail to you.

The Federal Trade Commission presents several ways to get away from these offers. You can opt out for five years by calling 1-800-5-OPT-OUT or by visiting OptOutPrescreen.com, which is the official consumer credit reporting industry website that's set up for processing these requests.

You also get the choice of opting out permanently. Go to OptOutPrescreen.com to begin the process. You'll have to mail in a Permanent Opt-Out Election form that's available on the website.

If you don't want to opt out via the Internet, you can also send a written request to each of the major credit bureaus: Equifax, Experian and TransUnion.

[Credit Card Reviews: Credit Cards with Really Low APRs]

Image: Josh McGinn, via Flickr.com

You might also like

Blog Post Image

120+ things to do for free to save money

Looking to save money? Check out these 120+ things to do for free by yourself, with friends, as a couple, or with your kids. Read on to learn more.

Credit.com

Blog Post Image
top-five-post

Buying a Car Before Buying a House: What’s the Right Order?

Learn how buying a car before a house impacts your credit and mortgage approval. Discover the ideal order for purchases to maximize your financial health.

Nikkita Walker

Blog Post Image
top-five-post

Guide to the 540 Days Chargeback Rule

The 540 days chargeback rule is an extended window to dispute card transactions in specific cases, like fraud. Learn how it impacts consumers and businesses.

Nikkita Walker