I just found a great new site: OptOutPrescreen. You can remove your name from mailing lists for preapproved credit and insurance. This will save you TON of paper (filing and trashing) as well as time. I mean,who doesn't want to save time and a great deal of hassel along with some money?
According to the site: Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.
Through the website, you may request to:
- Opt-Out from receiving Firm Offers for Five Years - (electronically through this website).
- Opt-Out from receiving Firm Offers permanently - (mail Permanent Opt-Out Election form available through this website).
- Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically through this website).
I am all for de-cluttering your life. This is another small step that can help!
3 comments:
Thanks for this wonderful information, Rachel.
is it safe??
I have had several clients use this and they have told me it is absolutely safe.
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