Spring is here. Time to get rid of all the dirt and grime that Winter left behind. One of the things that may be piling up in your house is a stack of offers to sign up with a new credit card or lower your insurance. While these are great financial tools, you may not want to know about them every day in the form of a junk-filled letter.
One of my 10 Things needed to have success with your finances is to be intentional. It’s hard to be intentional when all you have is a barrage of messages to sign up for this or join that. You should sign up for credit cards when you want to, right? Not when the credit card company wants you to. Here’s how to opt out of all those credit card offers:
Visit a website called OptOutPrescreen.com and sign up for their five year or permanent opt out service. It’s free and your right under the Fair Credit Reporting Act.
Also, if you want to get rid of general junk mail, DMAchoice.org is where you can opt out of general marketing mail. DMAchoice represents about 80% of the total volume of marketing mail in the United States. So you’ll be getting rid of a lot of mail by signing up with them.
Both services are free.
Now, what this doesn’t do is stop the junk mail that comes from your bank or your current credit card providers. Don’t you hate those annoying cash advance checks? To get rid of these mailings, call your bank or credit card company directly. While you’re at it, why not sign up for electronic statements as well?
Regarding opting out, I know this isn’t for everyone. There are some benefits to getting offers in the mail. You can use these offers to negotiate lower rates on your current credit cards, find the best cash back credit cards, or find a really nice 0% interest rate deal. Just keep that in mind when deciding on whether to opt out or not.