Sounds easier to opt out of those mailers entirely. There’s a website sponsored by the FTC to do it. But you can only opt out of 5 years online. To do it permanently you must print out and mail in the form.
AFAIK it works but it reeks of bullshit. First its a .com but its what the FTC recommends. It seems like the feds forced the credit companies to make the website and their really upset that your missing all these credit opportunities. Maybe they lower your credit score if you actually fill it out.
I did it years ago. I never noticed any retaliation, but the lack of garage in my mailbox is noticeable. I swear some of those credit cards would send daily letters!
Sure, vendors who already have my information still send me things, but I just call them and get them to remove me from the list. Now the only thing that remains is the political junk mail you can do nothing about.
I did this over a decade ago and it’s still working. If I remember correctly I had to call to make it a permanent opt-out but it was totally worth it. My credit score was totally unaffected.
Essentially the same scenario with free credit reports and AnnualCreditReport.com. Just look up the instructions through ftc.gov whenever you’re unsure about something. I still follow the link to the credit report site from ftc.gov these days even though I remember the actual .com as well, just for good measure.
Why is it it that in the US the laws are such that companies just MUST fuck over consumers? Why can’t it just be nice, make a good product, earn some money, next?
If you’re for real then… Oh boy. Maybe look at other hell hole countries like Finland, the Netherlands, etc, where the communist government is destroying businesses, see how the rules and regulations worked out there?
Sounds easier to opt out of those mailers entirely. There’s a website sponsored by the FTC to do it. But you can only opt out of 5 years online. To do it permanently you must print out and mail in the form.
https://www.optoutprescreen.com/
AFAIK it works but it reeks of bullshit. First its a .com but its what the FTC recommends. It seems like the feds forced the credit companies to make the website and their really upset that your missing all these credit opportunities. Maybe they lower your credit score if you actually fill it out.
I did it years ago. I never noticed any retaliation, but the lack of garage in my mailbox is noticeable. I swear some of those credit cards would send daily letters!
Sure, vendors who already have my information still send me things, but I just call them and get them to remove me from the list. Now the only thing that remains is the political junk mail you can do nothing about.
I did this over a decade ago and it’s still working. If I remember correctly I had to call to make it a permanent opt-out but it was totally worth it. My credit score was totally unaffected.
Essentially the same scenario with free credit reports and AnnualCreditReport.com. Just look up the instructions through ftc.gov whenever you’re unsure about something. I still follow the link to the credit report site from ftc.gov these days even though I remember the actual .com as well, just for good measure.
Why is it it that in the US the laws are such that companies just MUST fuck over consumers? Why can’t it just be nice, make a good product, earn some money, next?
Because the government acting unilaterally in private sector is tyranny and communism.
Not sure if sarcasm…
If you’re for real then… Oh boy. Maybe look at other hell hole countries like Finland, the Netherlands, etc, where the communist government is destroying businesses, see how the rules and regulations worked out there?
Sarcasm
Thanks. I hate how the Internet has become that place where you just don’t know anymore