Service Available to Stop Mailed Credit Card Offers, Says
8/27/2007
Rep. Jim Cox (R-Berks) is alerting Pennsylvanians about a way to stop unwanted credit card offers.
 
Increasingly, credit card companies are soliciting new customers through a process called “prescreening." Prescreening generally occurs as creditors and insurers establish a set of criteria, a minimum credit score for instance. They then approach a consumer reporting company and request a list of all those individuals in the company’s database who meet those criteria.
 
Residents may chose to opt out of receiving prescreened offers of credit and insurance for five years, or opt out of them permanently. Call toll-free 1-888-5-OPTOUT (1-888-567-8688) or visit optoutprescreen.com for details. The telephone number and Web site are operated by major consumer reporting companies such as Experian, Novis, Transunion, and Equifax.
 
Some personal information will be requested when calling or visiting the Web site, including home telephone number, name, Social Security number and date of birth. The information is confidential, and will be used only to process the request to opt out.
 
Those who have joint credit relations, such as a mortgage or car loan with a spouse, or other adult, may continue to receive some prescreened solicitations until both individuals exercise their opt-out right. Also, the opt-out line and Web site will only stop the prescreened solicitations that are based on lists maintained by consumer reporting companies. Other solicitations may continue, in which case one must directly contact the party sending the mail to stop receiving offers.
 
Rep. Jim Cox
129th District
Pennsylvania House of Representatives
(610) 670-0139
(717) 772-2435
Contact: Joe Pistorio
jpistori@pahousegop.com
(717) 787-2932
Member Site: RepJimCox.com
Caucus Site: PAHouseGOP.com