Stop Unwanted Credit Offers, Calls, and Junk Mail with OptOutPrescreen
Are you tired of receiving pre-approved credit card offers, insurance mailers, or those constant telemarketing calls, especially after applying for a loan or credit?
You’re not imagining things. Here’s what’s going on, and how to stop it.
📬 Why You’re Getting These Offers
Under the Fair Credit Reporting Act (FCRA), the major credit bureaus (Equifax, Experian, TransUnion, and Innovis) are allowed to include your name on marketing lists. These lists are shared with lenders and insurance companies to send you “firm offers of credit or insurance”,offers you didn’t ask for.
Fortunately, you have the legal right to opt out.
🚫 What is OptOutPrescreen?
OptOutPrescreen.com is the only official website authorized by all four credit bureaus to let you:
- Opt out of pre-screened credit and insurance offers
- Or opt back in if you change your mind later
It’s a secure, centralized platform that exists solely to help consumers stop unsolicited credit offers.
🛡️ How to Opt Out
You have two choices:
🔹 5-Year Opt-Out
- Visit: www.optoutprescreen.com
- Or call: 1-888-5-OPT-OUT (1-888-567-8688)
- Provide your name, address, date of birth, and Social Security number (this is safe, used only to locate your credit file)
- Your info will be removed from all “firm offer” mailing lists for 5 years
🔹 Permanent Opt-Out
- Start the process online at optoutprescreen.com
- You’ll be asked to print, sign, and mail a form to finalize your permanent opt-out
- This removes your name from marketing lists indefinitely
🔒 Note: OptOutPrescreen will never contact you via email, phone, or mail. Only use the official site or phone number to submit your request.
📞 Reduce Telemarketing Calls Too
In addition to credit offers, you can also block telemarketers through the National Do Not Call Registry:
- Visit: www.donotcall.gov
- Or call: 1-888-382-1222 (from the phone you want to register)
Once your number is registered, you’ll start receiving fewer calls within 31 days.
🏠 About Innovative Mortgage Brokers
At Innovative Mortgage Brokers, we help homeowners and buyers throughout Pennsylvania and Florida secure the right mortgage solutions, faster, easier, and with less stress.
Whether you’re looking to purchase a home, refinance, or explore unique loan programs like 1% Down or Self-Employed Loans, we’ll guide you every step of the way.
We work with over 30 lenders to provide flexible, competitive options, tailored to your goals, not a bank’s bottom line.
✔️ Final Thought
If you’re planning to apply for a mortgage, or just want to cut down on unwanted distractions, opting out of these marketing lists is a smart move. It keeps your mailbox and phone clearer, and it adds a little extra privacy protection at the same time.
Related Articles:
What is an Electronic Opt-Out for Five Years?
Opting-Out refers to the process for removing your name from lists supplied by the Consumer Credit Reporting Companies, Equifax, Experian, Innovis and TransUnion, to be used for firm (preapproved / prescreened) offers of credit or insurance. Your rights as a consumer under the Fair Credit Reporting Act (FCRA) include the right to “Opt-Out” for 5 years or permanently.
What is Permanent Opt-Out by Mail?
Opting-Out refers to the process for removing your name from lists supplied by the Consumer Credit Reporting Companies, Equifax, Experian, Innovis and TransUnion, to be used for firm (preapproved / prescreened) offers of credit or insurance. Your rights as a consumer under the Fair Credit Reporting Act (FCRA) include the right to “Opt-Out” for 5 years or permanently.
What is Opt-In?
Under the Fair Credit Reporting Act (FCRA), Equifax, Experian, Innovis, and TransUnion, are permitted to include your name on lists used by creditors or insurers to make firm (preapproved / prescreened) offers of credit or insurance. If you have previously completed a request to Opt-Out from receiving firm offers, you must complete a request to Opt-In to begin receiving offers again. You do not need to complete a request to Opt-In if you have not previously submitted an Opt-Out request
What is a firm (preapproved / prescreened) offer of credit or insurance?
A firm offer of credit or insurance is defined as any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on the consumer’s credit report, to meet the specific criteria used to select the consumer for the offer, subject to certain confirmation requirements.
Does exercising my right to Opt-Out affect my ability to apply for credit or insurance?
No, removing your name from these lists for firm offers of credit or insurance does not affect your ability to apply for or obtain credit or insurance.
Does Opting-Out improve my credit score?
No, since inquiries for firm offers for credit or insurance are not used in calculating credit scores, Opting-Out does not improve your credit score. Similarly, inquiries for firm offers for credit or insurance do not reduce your credit score.
