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Opt-Out of Junk Mail

Are you tired of all of the unsolicited credit card, insurance and mortgage offers in the mail? It seems like half the mail is magazines and junk and the other half is offers of credit. If you would like to stop these unwanted solicitations, I have a solution for you. Visit and opt-out of future credit solicitations. is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance. Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. Through this website, you may request to:

  • Opt-Out from receiving Firm Offers for Five Years - (electronically through this website).
  • Opt-Out from receiving Firm Offers permanently - (mail Permanent Opt-Out Election form available through this website).
  • Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically through this website).

If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies.

If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public.

Visit and opt-out of future credit solicitations. Just think, cutting out all of that mail will save a few trees, reduce your recycling, and reduce the amount of junk you have to sift through. Most of the information provided is from the OptOutPrescreen website.

This information has been provided by Gail Alm at Fairway Independent Mortgage. Gail is a Certified Mortgage Planning Specialist who provides a comprehensive mortgage plan with an array of options that will allow you to determine the strategy that best helps you accomplish your goals.

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