Equifax

Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter

 

Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

How Do I Opt Out of Credit Offers?

Written by Diane Moogalian on July 19, 2010 in Credit  |   3 comments

How Do I Opt Out of Credit Offers? By Diane Moogalian I hear from people all the time who are concerned about the preapproved credit offers they get in the mail. They want to know who is looking at their credit and how companies are…

Credit offers-opting outHow Do I Opt Out of Credit Offers?
By Diane Moogalian

I hear from people all the time who are concerned about the preapproved credit offers they get in the mail. They want to know who is looking at their credit and how companies are accessing their information. They’re worried about mail fraud and someone committing identity theft after swiping their mail.

All valid concerns, but these prescreened or preapproved credit offers exist for a reason. Some consumers really do want to be marketed to, and they want to see all the best deals and offers out there.

For the consumers who don’t want to receive these offers, you can choose to “opt out.” When you opt out, you remove yourself from the lists that credit card companies and lenders use to extend preapproved credit offers.

How to Opt Out

Opting out from preapproved credit offers couldn’t be easier. To opt out, visit www.optoutprescreen.com, or call toll-free 1-888-5-OPT-OUT.

You may also send your request in writing to:

Equifax Information Services, LLC
P.O. Box 740123
Atlanta, GA 30374-0123

TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

Include your complete name, full address, Social Security number, and signature. Equifax will remove your name from its preapproved offer database and share your request with the other two nationwide credit-reporting agencies.
Easy, right?

Sure, but sometimes it can take a little time for your request to work its way through the system. Opt-out requests can cross paths with outgoing lists. If a list already went out with your name on it, you might receive a few offers before the list you’ve been removed from goes out.

Why You Might Be Contacted After Opting Out

I also hear from a lot of consumers wanting to know why they’re still getting contacted after they opt out. We live in a very connected world where a lot of companies are trying to sell their products, and while helpful, opting out of preapproved or prescreened credit offers will not remove you from every list.

Opting Out: Register With the Do Not Call Registry

When you opt out with the credit-reporting agencies, you’re not excusing yourself from those dinnertime sales calls or spam emails. You’ll also need to register on with the National Do Not Call Registry, and you can visit the Direct Marketing Association to learn about your options for opting out of other mail and telephone marketing lists.

The important thing to know is that these prescreened and preapproved credit offers DO NOT affect your credit score. They’re called “soft inquiries” and show up on your credit report as something you didn’t initiate. The format for how this information is reported may vary from agency to agency, but the basic information will be the same on your reports.

Remember:

Inquiries that do not affect your credit rating include requests from employers, requests from companies making promotional offers, and your own requests to check your credit. These inquiries are viewable only by you.

Inquiries that may affect your credit rating include those made by companies with whom you have applied for a loan or credit.

If you’re worried about the security of your personal information, you can always opt out of preapproved offers, but it’s also a good idea to check your credit report regularly for any inaccurate information or sign of fraud.

Read More:

How To Dispute Credit Report Errors
Four Things College Kids Need To Know About Credit
Four Myths About Your Credit History
Debt Reduction: Why Paying Down Your Credit Card Debt Helps Your Credit Score

3 comments

  1. dickie sued. says:

    I opted out for life five years ago, but this didn’t stop equifax from selling my credit information to junk mailers, namely citibank who stated they got the information from Equifax Credit Information Services according to the office of the president of Citibank, Michele Dreesman. Also Citibank stated I was preapproved based on a preliminary review of my credit report. Equifax stated they only gave a name and address so I suspect they lied. They will not tell me when the block on promotional offers expired, it should have never have expired. I phoned Equifax and got someone who spoke broken english, this was at 4:25p.m. I asked for a supervisor and was left on hold and at 4:50p.m. I phoned Equifax on a land line and got a live person, I played on the on hold music on my speakerphone and explained that Equifax had been accused of blocking people’s access to their credit reports, putting them on hold and leaving them, and they had settled out of court for $250,000 and asked if this is what they were doing. At five o’clock promptly the phone call on hold went back to voice mail and I was advised the office had closed. I have since consulted an attorney as I told Richard Smith aka the “dick” Smith that I expected compensation for misuse of my credit information. By the way the woman at the call center stated she could not tell me the location of the call center. I have this recorded, including being put on hold, being told that the location of the call center would not be released, and then Equistupid wanted me to take a survey so they could market me. They already have placed my information in an overseas call center. What would I want to do business with a firm headed by a dick.

  2. Nancy S. says:

    I just tried to opt out and they asked for my SS number!! I am not giving out that personal information out to some unknown company who may not even be legitimate. Ridiculous!

  3. Lorin VN says:

    What a bunch of nonsense is this? Consumers wishing to be marketed to, should be able to OPT IN. What a bunch of nonsense.


Leave a Comment


Name :


Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.


Credit Archive