Answers to Common Questions about Credit Cards

 
 

How to Stop Credit Card Junk Mail Offers

April 22nd, 2007

You can call 1-888-567-8688 to opt-out of pre-approved credit card mails.

Every day, I get a few ‘pre-approved’ credit card offers in the mail. Today I got one for the American Express Green card. I noticed however, they have easy instructions for removing your name from mailing lists.

If you have good credit and receive a lot of pre-screened credit card offers from companies like Chase, American Express or Discover, it’s a good idea to call the credit bureaus and stop these offers from coming. You’ll eliminate a ton of junk-mail, and decrease the likelihood of identity theft.

There are several ways to do this:

  • Call toll-free: 1-888-5-OPTOUT
  • Visit: http://www.optoutprescreen.com/
  • Write:
    • TransUnion Name Removal Option, PO BOX 505, Woodlyn PA 19094
    • Experian Information Solutions, PO BOX 919, Allen TX 75103
    • Equifax Options, PO Box 740123, Atlanta GA, 30374-0123

By calling the toll-free number or going to the opt-out web site, Equifax, Experian, Innovis and TransUnion are notified to stop offers within five business days of your request.

It’s worth doing now, because it will take a few months for the offers to stop coming altogether.  Since your name may have already been provided to some companies that have not yet mailed their offers, you may continue to receive offers for several months.

 
 
 
 

Copyright © 2007 CreditApply.org