How To Opt Out Of Credit Card Offers

The Fair Credit Reporting Act (FCRA) says that Consumer Credit Reporting Companies are allowed 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 states that you have the right to “opt-out”, which prevents Consumer Credit Reporting Companies from giving away or selling your credit information to other agencies for firm offers.

If you opt-out, you will no longer be on the firm offer lists provided by the four credit reporting agencies.

Visit* where you can:

The Consumer Credit Reporting Companies want you to make informed decisions about receiving firm preapproved/prescreened offers of insurance or credit.

You should be aware that there are several benefits to receiving firm offers.

Some important notes:

Removing your name from the lists for firm offers of insurance or credit does not affect your ability to apply for or receive credit or insurance.

Because firm offer inquiries are not used when calculating credit scores, opting-out does not improve your credit score; nor does it negatively affect your score.

* is a centralized service to accept and process requests from consumers to “Opt-In” or “Opt-Out” of firm offers of credit or insurance. is a joint venture among Equifax Information Services, LLC, Experian Information Solutions, Inc., Innovis Data Solutions, Inc., and TransUnion, LLC (collectively the “Consumer Credit Reporting Companies“).

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