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If you are creditworthy, the competition for your interest rate dollars is fierce. Each year, millions of credit card solicitations are mailed in the U.S.—advertising low introductory rates and bonuses for making purchases. If you are tired of all that mail or just plain confused by all of your options, you have the ability to greatly reduce the number of credit card and loan solicitations you receive.

To “opt out” of many mail solicitations, visit the Direct Marketing Association’s (DMA) Web site. The DMA also has a service to help you reduce unsolicited commercial emails. Your online request will be effective for one year. For more information on how to stop unsolicited email spam, review your state’s laws at

In addition to the DMA, the three credit bureaus also sell lists to marketers. To opt out of their lists, send a letter to each of the three major credit bureaus:

Equifax, Inc.
PO Box 740123
Atlanta, GA 30374-0123

Consumer Opt-Out
701 Experian Parkway
Allen, TX 75013

Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

To empower consumers to stop most unwanted telemarketing calls, the Federal Trade Commission adopted a series of amendments to the Telemarketing Sales Rule (TSR) including the development of a National "Do Not Call" Registry.

Even if you contact all of the above organizations, it is likely you will still receive some unwanted solicitations. If a telemarketer calls, ask them to put you on their “do not call” list. Under federal law, they are required to comply. If they continue to call you can sue them in small claims court for $500. Don’t forget to destroy unwanted credit applications you receive by mail. Stolen mail could lead to the opening of a new account in your name; one of the more serious and most costly types of identity theft.