Established Member
Posts: 42
Registered: ‎07-19-2007

Should I opt back in?

A while ago---perhaps a year ago I opted out of the 'pre-screened' offers from the credit bureaus. However, I wondering if I should opt back in? I opted out because I thought these pre-screens would hurt my credit rating. I used to get so many of them and so many offers in the mail. Since I opted out I haven't received a single offer. That's a good thing but now I'm wanting a new card for myself (in my name only again..I have a joint with DH). I'd like to see what offers I get if I opt back in? Is opting in a good choice? TIA!
New Member
Posts: 17
Registered: ‎07-20-2007

Re: Should I opt back in?

Sure. You could opt back in if you want. It wouldn't hurt. Plus, you might get an excellent offer.
Established Member
Posts: 42
Registered: ‎07-19-2007

Re: Should I opt back in?

Thanks! I just opted back in. I just want to see what type of offers I will receive. Then I can always opt back out after receiving a good offer.
Regular Contributor
Posts: 176
Registered: ‎03-11-2010

Re: Should I opt back in?

I was thinking of doing this too! How do you opt back in?

Starting Score(4/1/10): EQ: 631--- TU: 646
Current Score(4/1/10): EQ: 725--- TU: 686
Goal Score: EQ: 850--- TU: 850

Take the FICO Fitness Challenge
Valued Member
Posts: 41
Registered: ‎10-12-2009

Re: Should I opt back in?


Moderator Emeritus
Posts: 14,084
Registered: ‎07-14-2009

Re: Should I opt back in?

[ Edited ]


ncks wrote:




Or follow this link Opt Out Credit Reports.



From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+