Photo: Flickr via uzvards
Sometimes I feel like Capital One has a tiny work elf who sits under my mailbox and stuffs it with their credit card offers – even on days the post office is closed. The stacks of letters got so high last week that I had to find a way to put an an end to it. I’ve already used catalogue Choice’s iPhone app and website to get rid of a ton of retail and charity mailings, but I realised the only way to stop credit card offers was to call each companies’ customer service departments one by one.
You could ask catalogue Choice to do that for you, but the service isn’t free and it can take up to 30 days to kick in. Instead, I checked the CFPB’s site and found a link to www.optoutprescreen.com.
The reason you start getting credit card offers at all is that under the Fair Credit Reporting Act, credit reporting agencies can dole out your name and address to credit companies and insurers. On the flip-side, FCRA also lets you nip offers in the bud whenever you want, which is what this site does.
Just punch in your name, address and Social Security Number and end the mailings for good.
If you think you’ll want offers down the road, there’s also an option to opt out for five years. Change your mind? Simply go back to the site and reverse your preferences.