![]() Opting out will keep creditors and insurers from accessing your credit file. Although determining if you fit a creditor’s criteria does not have a direct effect on your credit, you may prefer to keep your financial information private. Less access to your credit information.Opting out can secure your mail and your identity stays safe and secure. Throwing junk mail into the garbage may provide identity thieves exactly what they need to fill out a credit card offer in your name. Opting out will help cut back on the number of unsolicited phone calls offers for new credit lines. No one likes to answer the phone 10 times a day. Opting out will keep your trash can and trash folder empty. Most unsolicited credit and insurance offers go straight into the trash or fill up your inbox. There are a number of benefits that come from opting out of credit card offers: ![]() Pros and Cons of Prescreened Credit Card Offers Pros: Opt Out of Credit Card Offers This type of credit card opt out only stops letters and calls that come due to your credit status, not from companies that don’t pre-screen your credit. Remember, opting out of prescreened credit card offers does not stop all unsolicited junk mail. If you’re planning on sending a written request to the major consumer credit reporting companies, you can address your letters to the following: This form must be printed, signed, and mailed to the address provided. ![]() If you choose to opt-out permanently, you will be required to mail in a Permanent Opt-Out Election form.
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