Thursday, October 25, 2007 (Real or Fake)

Tired of all those unsolicited 'prescreened' credit card offers that you get in your mailbox. Many companies use these offers to sell you credit cards and insurance policies that you didn't request. The prescreened offers are from information that is pull from your credit report based on a criteria a company sets for an offer.

Under the Fair Credit Reporting Act (FCRA), the consumer credit reporting agencies (i.e.: Equifax, Experian, Innovis, and TransUnion) are permitted to sell your information to credit and insurance companies to make offers for credit or insurance that you didn't request. The FCRA also provides you the right to 'Opt-Out' of these offers, which prevents consumer credit reporting agencies from providing your credit file information to these companies.

To opt-out of these offers go to the following web site called If you're worried if this web site is legitimate, I found a reference to it on the US Federal Trade Commission's web site.

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