Credit Cards

Tired of Getting Credit Card Offers in the Mail? How to Opt Out

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Mailbox_Josh_McGinn_CCFlickrCredit Card Question: I keep getting credit card offers in the mail and I don’t need a new card right now. How do I make it stop?

Answer: More and more people are asking this question. Mail solicitations have gone way up, so that’s why folks are starting to get wary. If you’re not in the market for a new credit card offer, it’s really just junk mail to you.

The Federal Trade Commission presents several ways to get away from these offers. You can opt out for five years by calling 1-800-5-OPT-OUT or by visiting, which is the official consumer credit reporting industry website that’s set up for processing these requests.

You also get the choice of opting out permanently. Go to to begin the process. You’ll have to mail in a Permanent Opt-Out Election form that’s available on the website.

If you don’t want to opt out via the Internet, you can also send a written request to each of the major credit bureaus: Equifax, Experian and TransUnion.

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Image: Josh McGinn, via

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