Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies (Equifax, Experian, & Transunion) are permitted to include your name on lists used by creditors or insurers to make offers of credit or insurance that are not initiated by you. This is why when you have your credit pulled you may experience phone calls, text messages, and mail offers.
The FCRA also provides you the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your credit file information for prescreened offers. This should prevent the “spam” that you’ve likely experienced and it will cut down on the preapproved credit cards filling your recycling bin.
Click here to Opt-Out of prescreened offers and prevent the credit bureaus from selling your personal information