Have you ever received a credit card offer in the mail?
“You’re Pre-Approved! 0% for 18 Months, Transfer Your Balances Today! No Closing Cost Refinance! “
Perhaps the question should be how many of these offers do you recieve each day? You better believe that you’re not the only one with this problem!
I’m sure you’ve heard of the ‘Do Not Call List’, but have you heard of the ‘Opt-Out Prescreen’?
Just as you put a stop to all of those convenient dinner time calls, you can also put a stop to these annoying pre-screened credit offers.
Simply go to https://www.optoutprescreen.com and you have three options.
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If you’re crazy, you can ‘Opt-In’ on the solicitations.
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You can electronically opt-out for 5 years.
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You can permanently opt out by mail.
All you need to do get on the list is your name, address, social security number and birth date. This is a one stop opt-out shop. Your action will be relayed to all four credit reporting agencies.
Want to hear the super cool part? By opting out, the credit bureau’s will see you as a lower risk and your credit score will improve! Think about it, if you’re less likely to apply for credit, aren’t you a lower risk?
So, what are you waiting for? Opt-Out today! Your credit score will thank you later.
As always, if you have questions or need help – PLEASE give me a call or shoot me an e-mail!
