The following is the my post about AU and I believe this got to do something with it.
http://ficoforums.myfico.com/t5/Credit-Cards/Adding-the-minor-child-as-AU/td-p/741704
This is unbelievable. My 14 yrs old son received an offer from Allstate - Auto Insurance for California Driver - in the via mail. I called them, and their rep told me that my son is prospected customer, and that's why the mail has sent out.
On the back of the letter, there is ...
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of insurance is based on information in your credit report indication that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property collateral). If you do not want to receive prescreened offers of insurance from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123 or TransUnion, Opt Out Request, P.O> Box 505, Woodlyn, PA 19094-0505.
I've just called and requested for Opt-Out my son's info. It was automated system and it said the Opt-Out request will last for 5 yrs. That's perfect! Until he reaches 19, he will not get any prescreened offer. 
Do they offer a special rebate for underage drivers? 
@Lel wrote:Hmmm.....my kids (currently 4 and 6) have been receiving credit card offers for the American Airlines AAdvantage credit card (Citi?) for the last couple years. I always assumed that it was because they have their own frequent flier numbers. I shred them without even looking at the fine print. They're not AUs on any credit cards for me. I should check for similar language the next time they receive one. It's possible that his name came up on Allstate's radar because of the AU thing, but I don't think it's necessarily because they actually ran his credit and found him to be a good candidate. I suspect that the verbiage on the back is just standard boilerplate that appears on everything. But this is just conjecture on my part.
Interestingly, my kids always get better offers than me. Their envelopes tell them that they can earn 50,000 bonus miles, whereas I only ever get offered 30,000. And my pre-approved APR is higher than theirs.
Their credit profile must be better? 
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@Lel wrote:Hmmm.....my kids (currently 4 and 6) have been receiving credit card offers for the American Airlines AAdvantage credit card (Citi?) for the last couple years. I always assumed that it was because they have their own frequent flier numbers. I shred them without even looking at the fine print. They're not AUs on any credit cards for me. I should check for similar language the next time they receive one. It's possible that his name came up on Allstate's radar because of the AU thing, but I don't think it's necessarily because they actually ran his credit and found him to be a good candidate. I suspect that the verbiage on the back is just standard boilerplate that appears on everything. But this is just conjecture on my part.
Interestingly, my kids always get better offers than me. Their envelopes tell them that they can earn 50,000 bonus miles, whereas I only ever get offered 30,000. And my pre-approved APR is higher than theirs.
Wow! How nice!!
It might be ...
That's good idea, and if there is any choice ... Opt-Out them to not keep receiving the offers.
