How to Stop Getting Credit Card Offers in the Mail

Who wouldn’t want to receive less junk mail? Fortunately, there is a simple way to avoid receiving credit card offers in the mail. Enter your personal information on the website Your request can be completed in a matter of minutes. Opting out has no negative consequences for your credit score and is simple.

Method 1 Opting Out of Credit Card Offers

1. Go to the website. You can opt out of receiving pre-screened credit card offers by going to The Federal Trade Commission has approved this website, which was created by the nation’s major credit bureaus (Experian, Equifax, and TransUnion).

2. Determine how long you want to go without receiving offers. You have a couple of options. Your decision will determine how you will opt out:

If you want to opt out of receiving offers for the next five years, you can do so electronically.

If you want to opt out permanently, you must print and fill out a form.

3. You can opt out for the next five years. You can opt out by calling 1-888-567-8688 or visiting the website You must provide the requested personal information. You are not required to provide your Social Security Number or date of birth, but doing so will expedite the process.

4. Opt out for good. Click on “Permanent Opt-Out by Mail” on the website and enter all personal information marked as “required.” Sign the form after printing it.

Send the form to the address on the form.

A five-year opt-out request will be processed as soon as you enter your information. When they receive your signed form, they will make this request permanent.

5. Examine your mail. Your request should be handled within five days. However, offers will continue to be sent to you. Instead, it could take months before all offers are withdrawn.

6. Put a stop to any other credit offers. Because some card issuers get their information from sources other than the national credit bureaus, using the above website will not stop all offers. Other offers can be stopped by contacting the Direct Marketing Association and signing up for their opt-out list.

The DMA’s website can be found at You must first register by clicking the “Get Started” button. Signing up for the list costs $2.

Click “Remove My Name” on the website, or go through the list of businesses and remove yourself from each one individually.

Mail-in registration is also an option. Download the form or send a letter to DMAchoice, Data & Marketing Association, P.O. Box 643, Carmel, NY 10512, with your name and address. Using the mail-in option costs $3. It also takes more time to process.

If you continue to receive offers from financial institutions, you must contact them directly and request that they stop mailing you offers.

Method 2 Opting Back In

1. Determine why you want to re-enroll. Even after you opt out, you may receive pre-screened offers again. Consider the following advantages of opting back in:

You can see what deals are available and easily compare them.

You will most likely be approved. After you’ve been pre-screened, you can only be denied a card in very specific circumstances.

If you’ve been pre-screened, you might get better credit terms.

2. Please provide your contact information. You can re-enroll at the same site, Fill in the same information you used to opt out.

You can also re-enroll by calling 1-888-567-8688.

3. Receive your bids. You will receive offers from any credit card company that believes you meet their eligibility requirements. In general, issuers will be looking for customers with a high credit score.

Recognize that being prescreened does not harm your credit score, so there is no harm in receiving more offers.

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