February 17
Category: Playbook
Why Junk Mail Is More Than Just Annoying
Isn’t it frustrating to keep receiving junk mail from credit card companies? Not only is it a nuisance, but it also increases your risk of identity theft. Sometimes, all it takes is your mail being delivered to the wrong address. Other times, someone may steal discarded mail from your trash. These are examples of what we call pass interference.
If a credit card offer falls into the wrong hands, a thief can apply for a card in your name. Just like that, your identity could be hijacked.
How Credit Card Companies Get Your Info
You might wonder where these companies even get your information. Most of it comes from the credit bureaus. They sell your name and data to credit card companies. Those companies then send you pre-approved offers, putting your privacy at risk.
How to Stop the Junk and Protect Yourself
Thankfully, you can take control. Remove your name from the credit bureau mailing lists. This step helps protect you from both junk mail and identity fraud.
Just call the Opt Out Request Line at 1-888-567-8688. One call covers all four major bureaus—Equifax, TransUnion, Experian, and Consumer Credit Associates. You can choose to remove your name permanently or for a two-year period. If needed, you can renew your request later.
Another easy option is to go online. Visit www.optoutprescreen.com and fill out the form to stop credit offers by mail.
Defensive Tip: Stop Other Junk Mail Too
To block most other types of junk mail, write a letter with your full name, name variations, and mailing address. Send it to:
Mail Preference Service
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735
1-800-407-1088 – Opt out of all mailing and telemarketing lists.