8. Opt Out of Prescreened Offers
The Fair Credit Reporting Act allows credit-reporting companies to share information about you with lenders and insurers so they can send you prescreened offers.
Thankfully, this same law gives you the right to opt out of said offers. And, opting out of prescreened credit cards and insurance offers is easy.
Simply head over to OptOutPrescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) to stop receiving these offers. You can opt out for five years, or you can opt out permanently. To permanently opt out of these offers, you will need to sign and return the Permanent Opt-Out Election form.
Suppose you don’t have access to a telephone or the internet. In that case, you can always submit a written request for removal to the three major credit reporting agencies and to Innovis Consumer Assistance, an identity and credit solutions company that helps consumers understand and manage their credit report information, place security freezes, and more.
NOTE: Opting out of these offers will in no way affect your ability to apply for or obtain credit or insurance.
7. Prevent Creditors from Sharing Your Information
Federal law allows banks, credit card companies and utilities to share your information with third parties for marketing or promotional purposes.
That being said, make sure you contact them and let them know you do not want them to release personal information about you to anyone for any marketing or promotional reasons.
The Harvard Law School Green Living Representatives recommend writing “please do not rent or sell my name” or “no mailing lists” next to your name whenever you give your name and address to a company or organization — whether it’s when entering a contest, subscribing to a magazine or ordering a product by mail.