Monday, October 6, 2008

I hate bulk mail

Do you hate receiving bulk mail and millions of credit card offers in the mailbox everyday? I do - but today, I found out a secret. I was reading an article on Keplingers.com regarding great ways to save money and free "tips" on different subjects. One was talking about credit cards and reducing credit card debt...then it said to "stop unwanted credit card offers by mail, check out this website..." Well, I checked out the website...here.

Here is the website description:

Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted 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 provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.

Through this website, you may request to:

  • Opt-Out from receiving Firm Offers for Five Years - (electronically through this website).

  • Opt-Out from receiving Firm Offers permanently - (mail Permanent Opt-Out Election form available through this website).

  • Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically through this website).

If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies. If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public.


So if you are like me and tired of receiving tons of credit card deals through the mail, check out this site!

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1 comment:

Heidi @ GGIP said...

Good luck with your car search. I have a minivan now that I bought used (one year old) and we love it. It can fit whatever we want from Home Depot and our two kids too. I personally like the minivan better than the SUV (more versatile) but I"m sure you'll find what works for you.

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