Monday, August 23, 2010
Junk Mail Be Gone
Yesterday I decided to run our credit report to make sure we didn't have anything suspicious going on since we recently had a fraudulent charge on one of our credit cards. Plus it's good to do it at least once a year just to keep on top of your financial health. I was shocked to see how many companies have requested my credit score in order to send credit card offers which I'll never accept anyways. Not only is this intrusive but it puts us at risk for fraud since an identity thief can easily steal these out of the mail and have the credit card sent to their address. I did a little research and found OptOutPrescreen.com. Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are allowed to put your name and address on a list to be distributed to credit card and insurance companies so they can make you offers aka send you junk mail. The FCRA lets you "Opt-Out" of being on this list and all you have to do is visit the website, fill out the info, and you will be removed for 5 years. If you want to be removed from the list permanently, you'll need to fill out a form and mail it. Here's to five years of no more 0% APR mailers wasting both paper and space in our lives.