Stopping Credit Card Offers — May 2012, reviewed January 2013

Pre-approved credit card offers can fill up a mail box and then the recycling container. You can stop these offers from coming your way.  Federal law allows consumers to ‘opt out’ of receiving prescreened offers of credit and insurance by using a toll-free number or making the request in writing.

To opt out by telephone, consumers may call 1-888-5-OPTOUT or 1-888-567-8688. You will be asked to provide certain personal information, including your home telephone number, Social Security Number and date of birth.  Federal law provides that the information you share is confidential and may only be used to process your request.

You may also mail requests to the major consumer reporting agencies. There is a helpful fact sheet titled “Tired of Receiving Unwanted Credit Cards?’ available from the MN Attorney General’s Office at http://www.ag.state.mn.us/Brochures/pubUnwantedCreditOffers.pdf.  Download a copy directly if you are online or request a copy a copy by phone. Opt out requests must be processed within five business days, although it may take up to 60 days before the prescreened offers stop coming.

For detailed information contact the Office of the Minnesota Attorney General by calling 651-296-3353. You can stop this unwanted mail and help protect yourself from some types of identity theft. The less your name is used for mailing these types of offers to you the better.