Opt Out of Pre-Screened Credit Offers OptOutPrescreen.com 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. 1-888-5-OPTOUT (1-888-567-8688) www.optoutprescreen.com
Free Annual Credit Report AnnualCreditReport.com allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
AnnualCreditReport.com is the only official site to help consumers to obtain their free credit report.
Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. 1-877-322-8228 www.annualcreditreport.com
National Do Not Call Registry DoNotCall.gov gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free. 1-888-382-1222 www.donotcall.gov
Government Links
OnGuard Online – Your Safety Net
OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Topics covered include: Internet Auctions, Spyware, Wireless Security, Phishing, Social Networking sites, Spam Scams, Online Shopping, P@P File-Sharing, VoIP, Cross-Border Scams, Laptop Security & M inimizing the Effects of Malware. www.onguardonline.gov
Fighting Back Against Identity Theft - Federal Trade Commission
Deter-Detect-Defend is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.
On this site, consumers can learn how to avoid identity theft – and learn what to do if their identity is stolen. Businesses can learn how to help their customers deal with identity theft, as well as how to prevent problems in the first place. Law enforcement can get resources and learn how to help victims of identity theft. This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.
www.ftc.gov/bcp/edu/microsites/idtheft/
US Department of the Treasury – Office of Domestic Finance
This Identity Theft Resource Page contains information on the establishment of The President's Identity Theft Task Force to help coordinate the fight against identity theft. This page also contains information on what identity theft is, simple steps individuals can take to prevent it, and what they can do if they become victims. There is also information on what industry and law enforcement are doing to fight the crime and a report on various technologies used to combat identity theft.
www.treas.gov/offices/domestic-finance/financial-institution/cip/identity-theft.shtml
US Postal Inspection Service – ID Theft
This informational site provides more tips to help you avoid identity theft – including current accounts of mail fraud and how to protect yourself. At the request of the Postmaster General, Postal Inspectors are working with the President's Identity Theft Task Force on recommended strategies for combating identity theft.
www.postalinspectors.uspis.gov/radDocs/consumer/idthft_ncpw.htm 
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