Junk mail opt out

July 5, 2015
Want to stop getting credit

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There are complete industries built around collecting, massaging and selling your data – your name, phone number, address, spending patterns, surfing habits, net worth, the age of your children, the magazines you buy, etc. Companies buy bits of your privacy so that they can knowledgeably market products to you that you are likely to purchase. The problem is, that data, once collected, is often breached by hackers who want to know more about you.

To minimize the amount of your personal information bought and sold on the data market, begin “opting out”. Opting out is the process of notifying organizations that collect your personal information to stop sharing it with other organizations. “Pre-approved” credit card offers (i.e., financial junk mail) are a major source of identity theft. Those mailers give thieves an easy way to set up credit card accounts in your name without your consent. They spend money on the card and default on the balance, leaving you with the mess of proving that you didn’t make the purchases. The solution is to opt out of receiving pre-approved credit, home loan and insurance offers as well as mass marketing databases.

Pre-approved credit offers (also called pre-screened or pre-qualified credit offers) are possible because credit reporting bureaus (Experian, Equifax and Trans Union – companies that collect and sell financial data on nearly every American) make a great deal of money selling your identity (i.e., name, address, phone number, age, credit score) to credit card, loan and insurance companies. But it is your right to stop the sale of your information.

Fortunately, there are ways for you to “opt-out” of widespread information sharing (see the list of more than 120 ways below).

The Top 4 Opt-Out Opportunities:
  1. www.OptOutPreScreen.com. Remove yourself from the marketing lists sold by the three major credit reporting bureaus, Equifax, Experian and TransUnion. There is not cost for this list.
  2. www.DMAchoice.org. This puts you on a Do Not Mail list for the Direct Marketing Association. This is a free service online ( $1 by mail) and allows you to remove yourself from receiving previously unsolicited catalogs, magazines, “other” mail offers, and provides a link back to OptOutPreScreen for credit offers.
Source: www.sileo.com
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