If you want to cut unwanted credit card offers out of your life, you can do so very quickly and easily with a computer or smart phone. And it only takes about five minutes.

Steps to opt out of credit card offers:

  1. Go to www.optoutprescreen.com
  2. Click the opt in/opt out button
  3. Complete the required fields

Should you ever want to opt back in, just repeat the steps above.

Three ways you can take control of credit card offers:

Electronic Opt-Out for Five Years: Your name will not be eligible for inclusion on lists used for Firm Offers of credit or insurance for five years.

Permanent Opt-Out by Mail: Your name will no longer be eligible for inclusion on lists for Firm Offers of credit or insurance. This option requires that you print and mail the Permanent Opt-Out Election form.

Opt-In: Your name will be eligible for inclusion on lists used for Firm Offers of credit or insurance.

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Your request will take about five business days to be processed. Although your request becomes effective with the major credit bureaus (Equifax, Experian, Innovis and TransUnion) right away, you may not see an immediate reduction in the amount of offers you receive for several months. That’s because your name may have already been provided to some companies that have not yet mailed their offers to you.

While your name will be removed from the lists that Equifax, Experian, Innovis and TransUnion provide to businesses for the purpose of making you a firm offer of credit or insurance, you may continue to receive offers from sources that do not use Consumer Credit Reporting Companies to compile their lists.

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