This message excites the majority of people in need of some extra money and increases the chances of them filling out the form.
A closer look at the form will notify you that you are not pre-approved. You have to fill out a form and submit it with the chance of being pre-approved.
Pre-approved offers inquiries do not affect credit scores unless you apply for credit. Before being approved for credit, anyone who accepts an offer must still fill out an application.
How to Opt-Out of Pre-Approved Offers
Federal law allows you to opt out for up to five years if you do not wish to be pre-approved for credit card offers.
In order to opt-out, you can visit www.optoutprescreen.com. You can also call toll-free 888-5-OPT-OUT (888-567-8688).
You also have the ability to opt-out of insurance offers.
The Fair Credit Reporting Act (FCRA) allows the Consumer Credit Reporting Companies to include your name in lists used by creditors and insurers to make firm credit or insurance offers that are not initiated directly by you.
The FCRA also allows you to opt-out, which will block your name from being released to companies who want to solicit their offers.
In order to complete the process, OptOutPreScreen.com requires you to provide the following information:
Social Security Number
Date of Birth
If your privacy alarm bell is ringing, you are not alone…
Is it safe to give your social security number to opt out?
OptOutPreScreen.com Social Security Number
You do not need to provide your social security number to OptOutPrescreen.com in order to complete the process.
However, the website recommends providing your SSN in order to ensure “accuracy” and to ensure that the process works correctly.
Is OptOutPreScreen.com legit?
Experian, Equifax, TransUnion, and Innovis run the OptOutPrescreen.com website and line. These are four major credit bureaus for consumers.
It is the only website that is authorized by the nationwide credit bureaus.
According to the official website, OptOutPrescreen.com will never reach out to customers so any calls claiming to be from them are false.
Protecting Your Online Privacy
The solicitation of the credit card offers is just the tip of the iceberg.
Data brokers display personal information to the public including your name, address, phone number, and more.