If you would rather not be tempted by credit-card offers, you can opt out. Eliminating all pre-screened offers is difficult, but you can stop many of them. For example, you can opt out of all offers based on lists from the three major consumer reporting agencies –Experian, TransUnion, and Equifax – by going to www.optoutprescreen.com or calling 888-5-OPTOUT.
You can also opt out of commercial mail for five years by going to www.dmachoice.org. To opt out of telemarketing calls, visit www.donotcall.gov or call 888-382-1222. This will not stop all solicitations, but it will reduce the number of offers you receive.
– Daniel I. Tulbovich is a co-founder of Credit-Land.com. He writes frequently on credit-related topics.
