How to Stop Getting Credit Card Offers in the Mail: 9 Steps (2024)

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Co-authored byDerick Vogel

Last Updated: May 1, 2023References

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   Visit the website. You can opt out of receiving pre-screened offers for credit cards by visiting https://www.optoutprescreen.com. This website was created by the nation’s major credit bureaus (Experian, Equifax, TransUnion) and is approved by the Federal Trade Commission.

   See Also

   3 Ways to Stop Getting Credit Card Offers in the MailHow to opt out of credit card offersHow to Stop Receiving Credit Card OffersWhat are prescreened credit card offers? -Creditcards.com

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   Decide how long you want to suspend receiving offers. You are given a couple of choices. Your choice will determine how you opt out:

   • If you want to opt out of receiving offers for five years, then you can opt out electronically.
   • If you want to opt out permanently, then you’ll need to print and complete a form.

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   Opt out for five years. You can opt out by calling 1-888-567-8688 or by using the optoutprescreen.com website.^[2] You should enter requested personal information. You are not required to give your Social Security Number or date of birth, though that will help speed up the process.

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   Opt out permanently. At the optoutprescreen.com website, click on “Permanent Opt-Out by Mail” and provide all personal information identified as “required.” Print off the form and sign it.

   • Mail the form to the address provided on it.
   • As soon as you enter your information, a five-year opt-out request will be processed. This request will be made permanent as soon as they receive your signed form.^[3]
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   Check your mail. Your request should be processed in five days. However, offers won’t immediately stop being sent to you. Instead, it might take several months before all offers are suspended.^[4]

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   Stop other credit offers. Using the above website won’t stop all offers, because some card issuers get their information from sources other than the national credit bureaus. You can stop other offers by contacting the Direct Marketing Association and signing up for their opt-out list.^[5]

   • Visit the DMA’s website here: https://www.dmachoice.org/. You will have to register by clicking on the “Get Started” button. It costs $2 to sign up for the list.^[6]
   • At the website, click “Remove My Name” or go through the listing of businesses and remove yourself from them individually.
   • Alternately, you can use mail-in registration. Download the form or write a letter with your name and address to DMAchoice, Data & Marketing Association, P.O. Box 643, Carmel, NY 10512. It costs $3 to use the mail-in option. It also takes longer to process.
   • If you continue to receive offers from financial companies, you’ll need to call them directly and ask them to stop mailing you offers.

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   Identify why you want to opt back in. You can start receiving pre-screened offers again even after you opt out. Consider the benefits of opting back in:^[7]

   • You can see what offers are available and can easily compare offers.
   • You’ll likely be approved. Once you are pre-screened, you can be declined for a card in only limited circ*mstances.
   • You might receive more favorable credit terms if you’ve been pre-screened.
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   Provide your personal information. You can opt back in at the same website: https://www.optoutprescreen.com. Provide the same information you provided to opt out.

   See Also

   Can I Opt Out of Preapproved Credit Offers?

   • You may also opt back in by calling 1-888-567-8688.^[8]
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   Receive your offers. You’ll receive offers from any credit card issuer who thinks you match their qualifying criteria. Generally, issuers will be looking for consumers with a sufficiently high credit score.^[9]

   • Know that being prescreened does not hurt your credit score, so there’s no harm in receiving offers again.^[10]

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