Opt-Out of Credit Spam

You can put a stop to junk mail offers that use your personal credit data — we make it easy.

Getting a mortgage often means getting swamped with unsolicited credit offers from insurance companies and other mortgage lenders. These companies buy your information from the credit bureaus and use it to send "prescreened" or "preapproved" firm offers of credit.

These unsolicited offers can pile up fast. Some bury costs and fees in fine print. Others try to make it seem like they’re already a company you do business with.

You have the right to opt-out of receiving these offers.

Here’s how to do it:

1. 1

   Visit OptOutPrescreen.com

   This is the official site for opting out of pre-screened offers. It’s a joint service among the nation’s major credit reporting agencies.

   Launch OptOutPrescreen.com

2. 2

   Hit the button

   Scroll to the bottom and press the “Click Here to Opt-in or Opt-out” button.

3. 3

   Choose "Electronic Opt-Out for 5 years"

   On the next screen, select the "Electronic Opt-Out for 5 years" option and press "Continue."
   If you would like to stop these offers permanently, you’ll have to print and mail a separate form.

4. 4

   Submit your information

   Provide some basic details and press "Confirm" to submit your request.
   You can print or screenshot the confirmation page for your records. Your opt-out request can take five business days to process. But it might take a few months before prescreened offers stop arriving.