Stop Credit Card Offers

Do you want to stop credit card offers from appearing daily in your mailbox? If so, you're not alone. The average person receives at least two of these per week in their mail, and some individuals receive even more. Getting rid of these pesky pieces of mail is not as difficult as you might think!

How to Stop Credit Card Offers

There are two ways to get rid of the credit card applications that are littering your kitchen table. One way is to simply pop them in your circular file - your garbage can - and be done with them, at least for that day. The other way is much more effective and it can be accomplished quickly with pen and paper or by picking up your phone.

Put it in Writing

A sure fire way to stop credit card offers is to write to the credit reporting agencies directly. If you have ever stopped to read one of the credit offers in your mail, they will provide you with the addresses needed to stop the mail. In case you have already thrown them away, here they are again:

• Experian Target Marketing

P.O. Box 919, 701 Experian Parkway B2

Allen, TX 75013

• Equifax Options

P.O. Box 740123

Atlanta, GA 30374-0123

• Innovis Data Solutions

P.O. Box 1358

Columbus, OH 43216-1358

• Trans Union Opt Out Request

P.O. Box 505

Woodlyn, PA 19094-0505

Opting-Out by Phone

If you don't mind being on hold for a little while, you can call the credit reporting agencies toll free at 1-888-567-8688.

Why You Receive Credit Card Offers

All credit card companies use targeted marketing to generate new customers for their business. These solicitations can take many forms, from trying to get you to sign up at the mall or college campus to mailing marketing campaigns targeting specific individuals.

Targeted individuals are people that meet certain credit card criteria, such as a certain credit score. The credit card company provides the names and addresses of potential customers to the major credit bureaus. The credit bureaus review the list and add the credit scores of the potential customers. The credit card companies then sends out credit card offers to the individuals that meet their qualifications for the credit offer. The higher your credit score, the more offers you will receive in the mail.

One word of caution - be sure to check your pre-screened offers for hidden fees associated with accepting these cards. Some of these cards may be sent from companies that are offering secured credit cards. These secured accounts are often assessed fees right from the start, which lowers the total amount of the credit offer. Fees for these cards usually include an application fee, processing fee and additional card fees.

Declined Credit Card Applications

Not everyone who applies using a pre-screened offer will get a card. Why? The information you add to your application may not match the information on your current credit file. Or the information, such as credit score and current employment status may have changed and no longer meet the guidelines for the credit card offer. Usually when a credit card company receives your application, they request a copy of your current credit file. If your credit score doesn't meet their qualifications, you will receive a letter declining your application.

Anyone who receives a letter stating that a company declines them credit is entitled by federal law to a free copy of their credit report. The letter will include which credit bureau was used in reviewing your application for credit. You may appeal the declined application if you feel that there was an error..

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