You can stop credit card offers by removing yourself from credit card companies’ mailing lists at OptOutPrescreen.com, an official website run by the consumer credit bureaus. After providing a little personal info, you’ll no longer be in the databases credit card companies (and insurance companies too) use when they mail pre-approved offers to people they think would be a good match for their products.
There are advantages and disadvantages to stopping unsolicited credit card offers. You’ll no longer have to waste time with unwanted marketing letters, which may decrease the odds that you’ll miss important correspondence. You’ll also be helping to prevent trees from dying in vain. But at the same time, you could miss out on some good offers. Plus, the pre-approved offers you get in the mail are a good barometer for the type of card you’ll be able to get when you decide to shop.
Opting back in to receive credit card offers in the mail is just as easy as stopping them in the first place, too. You can learn more about that first step below.
Here’s how to stop credit card offers:
- Go to OptOutPrescreen.com.
- Click the button that says, “Click Here to Opt-In or Opt-Out.”
- Choose one of two options: “Electronic Opt-Out for 5 Years” or “Permanent Opt-Out by Mail.”
- Enter your name, Social Security number, date of birth and address. This is required for both opt-out methods.
- Input the security code you’re provided, then click “Confirm.”
- If you select the permanent option, you will receive a form to fill out after confirming your basic info. You need to mail the completed form to the three major credit bureaus: Equifax, Experian and TransUnion. You can find their addresses on the FAQ page.
By following those steps, you’ll stop credit card offers for five years or for good. But if you ever change your mind, you can opt back in at the same site. Just select “Opt-In” instead of “Opt-Out” from the list. Opting out and opting in are both free.
It’s also important to note that opting out doesn’t affect your credit score in any way. All it does is limit the ability of credit card companies to contact you with unsolicited offers.