Stopping Unsolicited Credit Card Offers

Many companies that solicit new credit card accounts use prescreening to identify potential customers.  Prescreened offers are based upon information in your credit report that indicates you meet the criteria set by the credit card company.  There will be inquiries on your credit report showing which companies obtained your information for prescreened offers but these inquiries do not affect your credit score.  You can opt out of receiving prescreened credit offers for either 5 years or permanently.  Visit www.optoutprescreen.comfor details.  The website is operated by the credit bureaus.  Requests to opt out are processed within 5 days but it may take up to 60 days before you stop receiving prescreened offers.