Credit Offer Opt-Out

[ARCHIVED THREAD] - Credit Offer Opt-Out

Posted: 2/3/2006 8:34:28 AM EDT

For those that don't know, if you are tired of getting credit card offers or other credit offer type notices you can call 1-888-567-8688 and have your name put on the opt-out list. Your name only stays on the list for 5 years at which point you have to call and add your name back. I just got done adding my name back on the list. It was all automated and took maybe 2 minutes. I've been getting 2 to 3 credit offers per day in the mail and finally got tired of it.

Here is more information on it. www.pirg.org/consumer/credit/Bureaus.htm

Posted: 2/3/2006 8:41:07 AM EDT

[#1]

(Not attempting a thread hijack)

Another useful piece of info:

Residents of 10 states can freeze their credit reports in order to prevent identity theft and people using and screwing up your credit:

http://www.bankrate.com/brm/news/cc/20030613c2.asp

Posted: 2/3/2006 9:24:13 AM EDT

[#2]

Tag. Thank you both.

Posted: 2/3/2006 9:26:56 AM EDT

[#3]

Quoted:
(Not attempting a thread hijack)

Another useful piece of info:

Residents of 10 states can freeze their credit reports in order to prevent identity theft and people using and screwing up your credit:

http://www.bankrate.com/brm/news/cc/20030613c2.asp

Bump to that. Each credit reporting agency can put a "fraud alert" on your report, which means that you must be contacted by phone to verify info before any line of credit is opened up in your name.

Posted: 2/3/2006 10:20:56 AM EDT

[#4]

Quoted:
(Not attempting a thread hijack)

Another useful piece of info:

Residents of 10 states can freeze their credit reports in order to prevent identity theft and people using and screwing up your credit:

http://www.bankrate.com/brm/news/cc/20030613c2.asp

Add North Carolina to that list

Posted: 2/3/2006 10:36:52 AM EDT

[#5]

Quoted:
For those that don't know, if you are tired of getting credit card offers or other credit offer type notices you can call 1-888-567-8688 and have your name put on the opt-out list. Your name only stays on the list for 5 years at which point you have to call and add your name back. I just got done adding my name back on the list. It was all automated and took maybe 2 minutes. I've been getting 2 to 3 credit offers per day in the mail and finally got tired of it.

Here is more information on it. www.pirg.org/consumer/credit/Bureaus.htm

I did the Opt-Out, but I'd like to add that I received a letter confirming my desire to opt-out, that stated if I wanted to be removed forever (I chose to do so), I had to sign the form and mail it back in. Food for thought.

Posted: 2/3/2006 10:47:21 AM EDT

[#6]

Quoted:
Quoted:
(Not attempting a thread hijack)

Another useful piece of info:

Residents of 10 states can freeze their credit reports in order to prevent identity theft and people using and screwing up your credit:

http://www.bankrate.com/brm/news/cc/20030613c2.asp

Bump to that. Each credit reporting agency can put a "fraud alert" on your report, which means that you must be contacted by phone to verify info before any line of credit is opened up in your name.

And that "red flag" means, forget about getting any instant credit.
Also, it's detrimental to your report in general.
Try creditboards.com for more info

Opt-out is a very good idea. Red flagging your credit history is definitely not. And FYI, anyone can put a fraud alert on their report, not just those in ten states.

Posted: 2/3/2006 11:29:35 AM EDT

[#7]

Quoted:
Quoted:
Quoted:
(Not attempting a thread hijack)

Another useful piece of info:

Residents of 10 states can freeze their credit reports in order to prevent identity theft and people using and screwing up your credit:

http://www.bankrate.com/brm/news/cc/20030613c2.asp

Bump to that. Each credit reporting agency can put a "fraud alert" on your report, which means that you must be contacted by phone to verify info before any line of credit is opened up in your name.

And that "red flag" means, forget about getting any instant credit.
Also, it's detrimental to your report in general.
Try creditboards.com for more info

Opt-out is a very good idea. Red flagging your credit history is definitely not. And FYI, anyone can put a fraud alert on their report, not just those in ten states.

The freeze is different from a 'fraud alert':

Anyone can ask the three major credit reporting agencies to place a fraud alert on their credit reports. Fraud alerts are supposed to alert you when someone applies for credit in your name and signals creditors to contact you for permission to issue credit in your name. Residents of any state can put a fraud alert on their reports. Creditors, however, aren't required to abide by or even check the alert.

A credit freeze goes a step further. With a credit freeze, no one can open any form of credit in your name. Your credit file is off limits to potential lenders, insurers and even potential employers.

Posted: 2/3/2006 11:41:07 AM EDT

[#8]

Tag.

ARFCOM is truly a wealth of knowledge.

(and tragic boating accidents for some reason)

[ARCHIVED THREAD] - Credit Offer Opt-Out

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