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Get Rid of Those Annoying Credit Card and Insurance Offers

By Erik Folgate

If you are like me, then you dread opening up your mailbox to find about 15 pieces of mail and only one or two of those pieces of mail has any real significance. The rest of it is, “0% financing, pre-approved for ultra, hot, sexy, platinum visa card” or “Tired of your insurance rates? Get a free quote with “. The spam mail is getting ridiculous. I’ve heard a statistic that over 4 billion credit card apps are sent out per year. It may even be more than that.

There’s something that you can do about stopping that junk mail from getting sent to you. Much like the “Do Not Call” list, you can go to the website Opt Out Prescreen and sign up to have the credit card applications and insurance applications stopped from coming to your mailbox. You can also call the toll-free number at 1-888-567-8688.

Once I realized that this service was available, I immediately signed up for it. It takes about 4 to 6 weeks to see a significant difference, but ever since then I have seen a huge improvement on the amount of junk mail that I receive. An occasional one slips through every now and then, probably by some creative mailing technique, but the bulk of the credit card applications have disappeared. Try it out and see what the results are for you. Maybe you’ll start enjoying the thought of retrieving your mail again!

Erik Folgate
Erik and his wife, Lindzee, live in Orlando, Florida with a baby boy on the way. Erik works as an account manager for a marketing company, and considers counseling friends, family and the readers of Money Crashers his personal ministry to others. Erik became passionate about personal finance and helping others make wise financial decisions after racking up over $20k in credit card and student loan debt within the first two years of college.

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  • Seth

    For the ones that do slip through, send the entire mailing back to them, including the original envelope in their postage-paid business reply envelope.

  • Blaine Moore

    I signed up for the opt out a couple of weeks ago. I’ve been meaning to do it for about 6 months or so. We printed it out and mailed it in to get on the list permanently. If I want a new credit card, I can seek one out.

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