What are prescreened offers?
Prescreened/preapproved/prequalified offers send by mail to open new credit cards or purchase insurance. Offering agencies get your information from credit reporting files maintained by credit bureaus in two ways: they may request a list of consumers who meet certain criteria, for example, a minimum credit score, or they may submit a list of names for a credit bureau to screen for consumers who meet certain criteria. If you do want to receive credit or insurance offers or are concerned about someone else obtaining and using the offers in your name, use this opt-out. For more information : More about opting out of pre-screened offers of credit: FTC Privacy Choices for your Financial Information, FTC Prescreened Offers of Credit and Insurance, FDIC Financial Privacy, and Privacy Rights Clearinghouse.
How to opt-out
To opt-out by phone: 1-888-567-8688. This is an automated phone system. You can remove your name for 5 years, add your name back in, or permanently remove your name. When you call in, you will be asked to verify and provide some information, such as your name, home phone number, and Social Security Number.
To opt-out online: https://www.optoutprescreen.com/?rf=t You may opt-out or opt back in through this web site.
The opt-out will remain in effect for five years or may be permanent.