myJaxon

I hate getting all of those credit card offers in the mail. Seriously, if I was looking for a credit card, I wouldn’t get one that bought my information from someone else. That just tells me that they are just as willing to sell my information as they were to buy it. Granted, I don’t know for certain if they would sell my information, but how did they get it in the first place? Plus, every time I get an offer, that means they checked my credit history and that gets recorded. I could probably have great credit if everyone would just stop checking it without my permission. So, I finally did something about it. There is a way to opt-out of all the credit card offers (Opt-Out Prescreen).

Before I did the Opt-Out Prescreen, Jesse wanted me to make sure it was legit and one of the four major credit reporting agencies had it listed on their website. I tried Equifax and TransUnion’s sites first since I recognized them. Get this, neither of these sites had any links to it. However, I did go to Innovis and they not only had a link to the Opt-Out, but another link to opt-out of all the catalog offers as well. I even found on their website where they say they don’t sell consumer information, but they did say they participate in a service that does. While I’m not excited about their being a service that does sell my information, it make me happy that they were upfront about it and didn’t hide from it like the other two sites I visited.

In the end, I opted out Jesse and I for all future credit card offers. It says that it may take a couple of months for the offers to stop since some companies may already have our info and haven’t mailed out anything yet, but eventually it’ll stop. By doing it electronically, we’re only good for 5 years, but if I wanted to be out permanently, I would have to mail in a form. Not sure if I’m ready for that yet.