![]() ![]() That’s the official credit bureau opt-out site. There are several ways to stop getting credit card offers. Voila, the next thing you know, you receive unsolicited credit card offers in your mailbox. The bureaus create lists of people from their databases who fit that particular set of criteria and sell them to credit card companies.They share the customer profile information with the credit bureaus.Credit card companies build criteria for the type of customer profile they want (e.g., demographics, income, hobbies, etc.).The three major credit bureaus, TransUnion, Experian, and Equifax, have a dirty little secret-they sell your information to credit card companies. But the good news is, you’ve come to the right place if you want to know how to stop getting credit card offers.īut first, let’s discuss how these companies find you in the first place. Ugh!Ĭredit card companies send unsolicited mail (and email) because it’s a tried and tested proven way for them to recruit new customers. You open up your mailbox and see a big stack of mail and you’re excited to open a fun package…only to discover that it’s mostly credit card offers that you didn’t even want. Check with each service or company directly for details.We’ve all been there. Many of these services provide you with the right to "opt out" or request that they not distribute some of the information these "look up services" make available for distribution. The sale of credit header information is legal and unrestricted. It consists of a consumer's name, name variations, address, former addresses, telephone number, date of birth and social security number. A credit header is the personal identifying information on a consumer's credit report. This personal identifying information comes from public information sources, such as phone books or public records, as well as non-public sources, such as credit headers. The information is used to locate, identify, and verify the identity of individuals. Vast amounts of information about consumers is available through "people finders" or "look up services." These companies use computerized databases to collect and distribute personal identifying information about consumers. If you are unsatisfied with their privacy policy, don't use the discount card. If you have privacy concerns, ask for a written policy about how the information will be used. For other calls, however, you can use *67 telephone line blocking.ĭiscount cards scanned at the register can track your purchases and this information may be sold to marketers. When calling toll free numbers, you cannot block the display of your number by pressing *67 before you dial. The companies you call can use reverse directories to match your phone number with your street address. Toll free 800 and 888 number services can identify and capture your phone number when you call. ![]() Instead, save your receipt as proof of purchase. If it does not require you to fill out the card, don't do it. Most warranties do not require you to fill out a registration card. Many product-registration cards include surveys about your income, interests, and even medical history. Warranty or "product registration" cards are an easy way for companies to compile information about you and then sell the information. Be aware of what information you send companies-in most cases, you are the biggest source of information about yourself. When first subscribing to magazines or ordering from catalogues, demand that the companies not rent, sell, or trade information about you. ![]()
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