How to opt-out

You can opt-out! Even though creditors and insurers are allowed to use credit file information as a basis for sending you unsolicited offers, such as for credit cards. If you are tired of receiving mountains of junk mail, then there is a way to stop this quickly and easily.

Call the toll-free telephone number for all national credit reporting agencies

1-888-5OPT-OUT

1-888-567-8688

You can select the option to opt out for two years, or permanently. If you do elect to opt out permanently, then you will be sent a Notice of Election to opt out form to complete, which you need to complete and return.
Opting-In

However, some people who have opted out decide that they would like to receive pre-screened offers after all. They can call the same number 1-888-567-8688 and select the option for opting-in.
If you are tired of other marketing material coming unsolicited into your mailbox, then you can also opt-out by contacting the Direct Marketing Association and state your option for not receiving mail or telephone solicitation. Their address is:

Mail (or Telephone) Preference Service

Direct Marketing Association P.O. Box 1559 Carmel, N.Y. 10512
While you are opting out of unwanted telephone solicitations, do not forget the National Do Not Call Hotline. This is a free service of the federal government and you can register your telephone number by calling the registry’s toll-free number (1-888-382-1222) or by clicking here:

Opt-Out- National- Do-Not-Call-Register
Remember: Placing your number on the National Do Not Call Registry will stop most telemarketing calls, but not all. Because of limitations in the jurisdiction of the FTC and FCC, calls from or on behalf of political organizations, charities, and telephone surveyors would still be permitted, as would calls from companies with which you have an existing business relationship, or those to whom you’ve provided express agreement in writing to receive their calls. If you want to stop those calls, you will have to write directly to each source.

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."

You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. Contact www.stopdebtcollectorscold for more information on how to deal with debt collectors.

debt-wise.com