Stop Unsolicited offers for Credit Cards and Insurance in 2012

OptOutPreScreen.com is the official Consumer Credit Bureau website to Opt-Out or Opt-In from offers of credit and insurance. The Fair Credit Reporting Act (FCRA) provides consumers the right to stop receiving future prescreened offers.

Companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers. “Prescreened”, “preapproved” or “Firm” offers are based on information in your credit report.

These are the offers Identity Thieves love to steal from your mail box. Once they also steal your SSN (easier than you may think), they change the address and receive a credit card in your name. They max out the card. You don’t know the card even existed until you start getting collection calls.

Security experts recommend you tell the Credit Bureaus not to sell your credit information by Opting Out.

If you decide that you don’t want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently.

To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.

To opt out permanently: You may begin the permanent Opt-Out process online at optoutprescreeen.com. To complete your request, you must return the signed Permanent Opt-Out Election form, which will be provided after you initiate your online request.

When you call or visit the website, you’ll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential and will be used only to process your request to opt out.

You can get more information from the FTC and Privacy Rights Clearinghouse.

Stop unsolicited offers and protect your identity.

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About Bruce Demarest

Bruce Demarest is a Identity Theft Protection Specialist. He has designed and taught classes to educate individuals and businesses in identity theft risk management. The individuals have learned how to continuously monitor their financial identities from credit fraud, plus how to monitor their personal identifying information for unauthorized use. His business clients have become compliant with the federal & state privacy laws. He has conducted information security audits to identify their potential problems and has designed security policies, programs, and practices to address those problem areas.
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