HUNTSVILLE, AL (WAFF) - Tired of getting unsolicited offers for credit and insurance every time you open your mailbox? And why are you getting those offers even though you haven't applied?
If you are not interested in applying for credit, getting those unsolicited offers can just be annoying – but it can also help thieves steal your identity. "Many of us get pre-approved credit card offers in our mailbox," said the Better Business Bureau's Michele Mason. "They are unsolicited. If someone removes them to fill out a credit application in our name, then we don't know it's missing."
Companies get your information from credit bureaus. You can flag your credit bureau to let them know you don't want to receive pre-screened offers. In doing so, you take yourself off the list and protect yourself from identity theft at the same time.
This first step will put you on the opt-out list for five years, but you have the option to opt-out permanently.
"If you want to do it permanently, they can send you a form that you fill out after you go through that process. You have to sign and return it, and then you go on the permanent list," said Mason.
During the opt-out process, you may be asked to provide the last four digits of your Social Security Number. Mason said it is okay to provide this information over the phone in this instance.
If you want to exercise your right to opt-out of receiving pre-screened offers, you can call 1-888-567-8688. You can also visit OptOutPreScreen.com.