Debt Help | How to Stop Pre Approved Credit Card Offers

How to Stop Pre Approved Credit Card Offers

For many who are in debt, you might find it weird that even though you are in debt with other credit companies, you continue to receive pre approved credit card offers in the mail.  Often times, these pre approved credit card offers are from companies that you have never heard of, yet they’d love to approve you for up to $5,000!

Whether or not there are benefits to such offers (and there’s aren’t many, if any) if you came to this page, you’d probably love to know how to get them to stop.  When I found out how, I was getting 4-5 pre approved offers a day!  It was filling up my mailbox and wasting my time since I had to make sure none of them were real cards I needed to shred.

If you are in debt, then having all of these extra credit cards is probably not the best idea.  In my debt reduction tips I talk about how you should cut up your credit cards, not add more to your collection.

So, anyhow, here’s how to stop pre approved credit card offers:

1) You can call 1-888-5-OPTOUT (1-888-567-8688) and they will guide you through the process of opting out.

or

2) You can go online to OptOutPreScreen.com and you can fill out a form online or print out and mail in a form.

I have not used the phone number, but when I used the website, I was able to choose between opting out for 5 years or opting out permanently.  I chose to opt out permanently because I didn’t want to have to go through the process to stop the pre approved credit card offers anymore.

Also, it’s not a fact, but I have heard that it can increase your credit score a little bit, since it is seen as less of a risk if you aren’t receiving those offers anymore.  Whether or not it does increase your credit score, it definitely can’t hurt you!