Credit Card Opt Out

Credit cards serve a very good purpose, but they can also become the worst debt accumulation tool to work against you. One way to help reduce the temptation of applying for yet another credit card is to eliminate the credit card offers coming into your mail box. Credit card companies and insurance companies pre-screen your credit worthiness to determine who they want to send pre-approved applications. The better your credit the more likely you'll receive lots of those offers.

If your mail is ever stolen, the less credit card offers you potentially have coming in your mail the less risk you also face. If you wish to reduce the amount of credit card offers you would receive in the mail, you can use the Opt Out program. I personally used their service and I'm very happy with how effective it is. We no longer get any more credit card applications in the mail! Prior to adding our names to the Opt Out program, we received three applications nearly every week, which was really annoying.

To use the Opt Out Service you can either access their free program by calling 1-888-5optout or you can visit their website to opt out. You would need to provide either your social security number or your birth date in order for them to remove you from the program. Be aware that it will take about a month or so before the offers stop coming in the mail.

The Opt Out service just may also help you to remain more disciplined and not apply for so many credit cards!

1 comment:

CreditEgghead said...

Perfect! I would be happy having removed all that spam from my mail box. It's just overloaded with credit card offers. Since I've completed an online application, they began sending me their offers regularly. But I don't need any more plastics, as of yet.