Opt Out of Credit Card Offers
This morning I was looking at what felt like the millionth “You’re Pre-Approved!” credit card offer sent to Bryan in the last week.
Then I remembered: last year I opted out.
There’s an official program run by the three major credit bureaus — Equifax, Experian, and TransUnion — that lets you stop prescreened credit and insurance offers.
You can:
- Opt out for 5 years (quick and done online), or
- Permanently opt out (requires printing, signing, and mailing a confirmation form).
I chose the permanent option last year. It worked. I haven’t received a single credit card offer in months.
This is especially helpful given:
- Mail theft in San Jose
- Identity theft risk from discarded “pre-approved” offers
- Sheer paper waste
It’s done per person (not per household), so I just filled it out for Bryan as well.
Here’s the link:
https://www.optoutprescreen.com
Takes a few minutes. Worth it.
