How to Instantly End Credit Card Junk Mail Forever

Tired of receiving unsolicited offers for credit cards or insurance? Worried that an identity thief could intercept them? Here's what to do.

How to Instantly End Credit Card Junk Mail Forever Photo by Monkey Business Images /

If you have half-decent credit, you’ve probably found preapproved offers for credit cards or insurance in your mailbox.

Perhaps you appreciate these offers. But if you consider them more like junk mail — or worry that an identity thief could pluck them from your mailbox — you can stop preapproved offers.

The easiest way to opt out of preapproved credit and insurance offers — also known as “prescreened” or “firm” offers — is to go through a website called Four major credit-reporting companies — Equifax, Experian, Innovis and TransUnion — run this website.

, opting out prevents credit-reporting companies from sharing your credit information with third parties for the purpose of preapproved offers.

The major credit-reporting companies give you two main options. You can opt out of receiving preapproved offers:

  • For five years — which you can do via
  • Permanently — which you can do by mailing a form available on

In either case, you will no longer be included in preapproved-offer lists that the four credit-reporting companies behind the website provide to third parties.

If you later change your mind, you can also opt back in via the same website.

How prescreened credit and insurance offers come about

To understand preapproved credit or insurance offers, it helps to know how they come about — specifically, the role that credit-reporting companies play in the process.

Credit-reporting companies maintain credit files on consumers. They collect certain information about you and use it to create credit reports on you.

Under the federal law known as the Fair Credit Reporting Act, credit-reporting companies can also share your information with third parties that want it for permissible purposes, (FTC).

Those third parties include lenders and insurers that want to use your credit information to determine whether to send you unsolicited offers — a process known as “prescreening.” The :

“Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer.”

How to opt out of prescreened credit and insurance offers

While the Fair Credit Reporting Act effectively makes prescreening permissible, the law also gives you the right to opt out of prescreening.

Whether you wish to opt out or in, the process starts by clicking on the blue button at the bottom of the home page. The button reads “Click Here to Opt-in or Opt-out.”

However, before you opt out of these offers, understand that they can also benefit consumers. According to the FTC:

“Prescreened offers can help you learn about what’s available, compare costs, and find the best product for your needs. … The terms of prescreened offers also may be more favorable than those that are available to the general public. In fact, some credit card or insurance products may be available only through prescreened offers.”

Of course, if you’re actually in the market for a credit card, you’re better off using a more comprehensive resource like to learn what’s available.

What’s your take on preapproved offers? Sound off below or on .

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Karla Bowsher
Karla Bowsher
I’m a freelance journalist and former newspaper reporter who has covered both personal and public finance. I've worked for a top 50 major metro daily and a community newspaper as well as ... More


1,004 Active Deals

More Deals