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opt-out

Established Contributor

opt-out

I'm opted out (applying for a mortgage) but still recieveing preapproval offers from my existing creditors. Is this normal?

 

Or do I need to re- opt out?

 

Just got preapproval from capone for an auto loan and a pre-approval from citi (Just got added as an AU on my mom's sears citi card)

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 1 of 12
11 REPLIES
Valued Contributor

Re: opt-out

It's normal. Once you have a relationship with a company, they can do this. You don't need to do the big opt-out again. However, you might want to opt out of their individual marketing programs.

 

Usually you can do this on their web sites, somewhere in the profile or account settings portion of your interface. If not, you can call them and tell them what you do and don't want to receive from them.

Message 2 of 12
Established Contributor

Re: opt-out


jordanmedical wrote:

I'm opted out (applying for a mortgage) but still recieveing preapproval offers from my existing creditors. Is this normal?

 

Or do I need to re- opt out?

 

Just got preapproval from capone for an auto loan and a pre-approval from citi (Just got added as an AU on my mom's sears citi card)


hmm.. how do you know if you're opt in or out?  how can you find out? I have access to all 3 CA reports but none seem to tell me and I never get anything..

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 3 of 12
Established Contributor

Re: opt-out

oh ok ty Smiley Happy

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 4 of 12
Moderator Emerita

Re: opt-out

@RSCo

On EQ there is location near the bottom of your personal information under ALERTS - if you're opted out it will say FILE BLOCKED FOR MARKETING PURPOSES
Message 5 of 12
Established Contributor

Re: opt-out


09Lexie wrote:
@RSCo

On EQ there is location near the bottom of your personal information under ALERTS - if you're opted out it will say FILE BLOCKED FOR MARKETING PURPOSES

Hey, thanks alot.. I've always wondered how to check it.. I never get anything for some reason.. I'm gonna check now.. Thanks..

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 6 of 12
Moderator Emerita
Message 7 of 12
Established Contributor

Re: opt-out


09Lexie wrote:
You're welcome!


Wow, yeah, It shows I'm blocked for promo's.....  WHAT!!!  I never requested that.. I need to call EQ tomorrow to see why and to get it removed..

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 8 of 12
Moderator Emerita

Re: opt-out

Message 9 of 12
Established Contributor

Re: opt-out


09Lexie wrote:
Just go to https://www.optoutprescreen.com/?rf=t

It will take care off all your CR's.

You ROCK!!  I had no idea about this site..  Thanks for all of your help..

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 10 of 12