Information Center – News and Articles about Credit Cards
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[05/01/2008]
How to Get Rid of Credit Card Mail
Credit card holders with good credit histories are welcome clients at any credit card company. And companies fight for every client. That is why credit card owners often become victims of mail flood. You, probably, get dozens of pre-approved credit card offers by mail. If you are sick of feeding your paper-shredder with those letters, you can stop the flood.
Acting under the Fair Credit Reporting Act, major credit bureaus (Experian, Equifax, and TransUnion) sell your credit report information to creditors. Basing on this information, credit card companies choose customers they would like to see in the rows of their clients, and send letters to them. But you can put an end to this.
Here are several ways for you to set your mail box free from pre-approved credit card offers.
First of all, you can ask the bureaus to eliminate you from pre-approval lists in writing. For that you will have to provide your personal information, including your full name, ZIP code, phone number, social security number and mailing address.
If this does not work, or you just want to do away with it faster, contact credit bureaus by phone. Credit reporting agencies have a special service for card holders that do not want to receive credit card mail from lenders. You can also go to www.optoutprescreen.com, where this service is also available. Once you provide your personal info either by phone or online, your name gets automatically eliminated from pre-approval lists. After that you can drift into a sound sleep for five years, for your credit file is guaranteed to be hidden by bureaus from creditors.
But if you want to keep getting mail from the credit card company you made a credit card deal with, you just need to inform credit bureaus about it.
This procedure will not take your much time and efforts. The only thing that might scare you off is that you will have to share your personal data. Actually, there is nothing for you to worry about. Credit bureaus already have this information. So, it is quite secure.
But still there is a chance to get unsolicited credit card offers even after you were excluded from pre-approval lists. The thing is that not all credit card companies use updated lists.
If you are concerned about environmental protection, through refusing to get letters by mail you also make a contribution to the health of our planet. You are saving trees that are used for paper production. Green credit cards issuers, for instance, send the necessary documentation by e-mail.
However, looking through such letters when searching for a credit card for you and signing up for one of such offers will help you to get approved fast. But if you perfectly know that some certain cash back credit card, for instance, is just what you need, credit card junk mail will be just a headache for you.
So, if tons of junk mail in your mail box annoy you, you have a way out. You do not have to get irritated every time you get it any more. You can just make one call, or several mouse clicks, or write a letter if you are a fan of epistolary genre, and the mail flood will be stopped. Have mercy on your paper-shredder!
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