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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: Unrequested card in mail Date:  4/7/1998  11:11 AM
Author:  SmartConsumer Number:  1046 of 312188

<<By the way, I must be on some hot list for potential customers. I received 2 other platinum offers that
day and have been averaging about 2 offers per day over the last 2 weeks.>>

Creditors get your name and address for card solicitations from many different sources. The credit bureaus sell "pre-screened" mail lists to creditors who then use the lists to mail pre-approved credit offers to consumers. One way to slow the flow is to have your credit files blocked from pre-screening by the credit bureaus. To have your credit file "header" (your name and address) suppressed from pre-screening, contact each credit reporting agency below, in writing (preferably by certified-receipt mail):

Equifax Credit Information Services, Inc.
P.O. Box 740123
Atlanta, GA 30374-0123

Experian-TMS Opt Out
P.O. Box 919
Allen, TX 75002

TransUnion-TMS Opt Out
P.O. Box 97328
Jackson, MS 39288

As I said at the beginning, creditors get your name and address from many sources (magazine subscriptions, alumni lists, etc.) so this won't stop the flow completely, but it's a start.
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