When you have good credit, you tend to receive offers in the mail from competing credit card companies on a regular basis. It’s not uncommon, and many people don’t have any issue with receiving these in the mail. However, some people prefer not to have these card offers in their mailbox for various reasons. One of the most common reasons is identity theft. When card offers aren’t sitting in their mailbox for anyone to take, their chances of having cards opened in their name decrease.
Another reason is their living situation. Many people live in more than one home, or they travel often. Snowbirds who head south for the winter don’t want their mail held or forwarded all over the country if there are credit card offers in it. The more hands on that mail, the higher their chances are of having someone steal on offer and open it in a malicious manner. Whatever your reason for no longer wanting credit card offers to come to you in the mail, there is a way you can stop this from occurring.
The Five-Year Plan
The Federal Trade Commission offers residents of the United States the option to have all their prescreened credit card offers stopped for five years. You’ll receive no credit card offers in the mail effective immediately, and you won’t receive them again for another five years.
There are two ways to do this. The first is to call 1-888-567-8688. This is the opt-out number for credit card offers offered by the FTC. Follow the prompts given, and you’ll be able to keep your name of mailing lists for five years. If you prefer not to call, you can vistwww.optoutprescreen.com and provide the required information. You receive five years of opt-out freedom effective immediately.
The Forever Plan
If you know you don’t want any offers in the mail the rest of your life, you don’t have to limit yourself to must five years. This is a bit more detailed, but it’s not difficult.
- Visit www.optoutscreen.com
- Provide the information required as you are prompted to do so
- Print the Permanent Opt-Out Election Form
- Fill the form out
- Mail the form to the three major credit bureaus and Innovis
P.O. Box 740123
Atlanta, GA 30374
P.O. Box 919
Allen, TX 75013
Innovis Consumer Assistance
P.O. Box 495
Pittsburgh, PA 15230
Once each of the companies receives your request in the mail, you’ll notice that offers cease to appear in your mailbox. This allows you feel a certain peace of mind as far as your identity is concerned. It also allows you to eliminate all that junk mail you have to shred and throw away, it probably saves more than a few trees over the course of your lifetime. If you haven’t done this yet, now is a great time to take control of your financial future.