You often find your inbox completely filled with annoying junk mails regarding credit card offers. You know, that it wastes your valuable time and paper and resources. But do you know that it can steal your personal identity too? Yes! this is really scary, that these offers can be accepted and used by your name without your permission!
Do not rely on spam filter to stop receiving those risky mails. Have you ever heard about the process called “opting out” to stop receiving such annoying credit card offers in mail?
Queries related to the term”opting out”
I know, you’re thinking about the probable questions about the “opting out”
- Why “opting out” is important for me?
- I don't know how to go for it.
- I am not sure about its effect to my credit score.
Let me answer all your queries first.
Reduce the prescreened credit card offers through Optoutprescreen.com
It can stop selling your financial data to the marketers (payment history, Social Security number, address). On the other hand, you can save 100 million trees per year through this option. Thus, you can save our Mother Earth!
“Opting out’ is an easy process. You can do it online and it takes just 5 minutes. There is a website called Optoutprescreen.com approved by the Federal Trade Commission. This website will help you to get rid of junk mails.The four major credit reporting agencies ( Equifax, Experian, TransUnion and Innovis) provide the website Optoutprescreen.com to help consumers to opt out. There is no requirement of personal data or social security number. You need to fill out the form with your first name, last name and current address. The site is fully legitimate so, you don't need to worry.
Lastly, “opting out” will never create any bad effect on your credit score. It has no impact on applying or approving for credit cards.
Permanent Opt out : You can go for the permanent opt out at the time of filling out the form online. Fill out the form first and keep a print out of the form with your signature . After that , you should mail the document saying all your preference .
Opt out for 5 years : Simply go for the 5 years opt out option while filling out the form online. Your name will removed from the mail list . It takes 5 business days to start. Be happy as you’re now getting fewer mails. Sometimes. your name will appear on older lists so, have patient. Within a few months you won’t get such mails.
Profit of opting out process
- You can stop getting unsolicited spam mails in your inbox.
- This website will help you to stop receiving prescreened credit cards offers by just filling out a form and by a click.
- You can protect yourself against identity theft.
- This is the only service which works with 4 consumer credit reporting companies( Equifax, Experian, TransUnion and Innovis)
Optoutprescreen.com is one of most easiest way to reduce junk mails related to credit card offers .
Direct Marketing Association
Moreover, there a some more options for you. Few companies are there who are ready to help you out. But they are paid. You need to pay a certain amount of money to register your name for the service. Direct Marketing Association (DMA) is one of them. DMA Email Preference will work for three years. You can opt out of irrelevant mails by registering into their website. After the registration, it will take 99 days to start the process. It charges $1to get the service.
There are many paid options available if you think those options are not working . It is said that most of American are worried about the junk mail in their inbox. They get 41 pounds of spam mail per year. Tonic Mailstoper, 41pounds.org provide paid services to reduce spam mail. But remember these service has some boundaries too. They won’t stop junk mails if your personal data (phone number, address) is leaked by any case. Therefore, it won’t work for all catalogs or phone books. Then you should contact the merchant to get help.