Ask Andy: Credit Offer 'Opt Out' - Action News 5 - Memphis, Tennessee

Ask Andy: Credit Offer 'Opt Out'

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MEMPHIS, TN -

(WMC TV) - "Linda" of Southaven, MS, e-mailed a question that crosses my desk all the time:

"Isn't there a website to opt out of credit card offers?"

Yes, there is. Actually, there are two sites. I'll reveal both in a second.

First, you should call 1-888-5-OPTOUT. That's the number supported by all three of the major credit bureaus to let you opt out of pre-approved credit offers for five years.

"When you call, you'll be asked for personal information, including your home telephone number, your name, and your Social Security number," said Bill Hardekopf, CEO of LowCards.com (www.lowcards.com). "The bureaus will keep your information confidential and will use it only to process your request to opt out of receiving pre-screened offers of credit."

If you rather do it online, you can go to www.optoutprescreen.com. Same system, managed and supported by the credit bureaus.

You can also go to the Direct Marketing Association's website, DMAChoice.org, to reduce or stop credit card offers not only to you, but also to your dependents or to a loved one who has died.

Consumers can also go 'old school' and write a letter to each of the three credit bureaus (Experian, Equifax, TransUnion), requesting their personal information be removed from pre-approved credit mailing lists.

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