10-11-2012 03:43 PM
Somehow DH got opted in. How do I know? Mail!
Also, Dear Brother also got opted back in last year! (Same thing, mail).
How does a person get opted in when they didn't ask for it? It's a scam.
10-11-2012 06:40 PM
There is/was more than one to opt out. One way was for a limited time and the other was permanently. I opeted out over a decade ago and still no offers.
10-12-2012 05:03 PM
The opt-out process is specified in FCRA 604(c).
If the consumer notifies the CRA that they wish their name to be excluded from any list provided by the CRA to those requesting the consumer's name and address for sending firm offers of credit, the CRA is required to send the consumer a formal notice of election form under their estalbished notification system.
If the consumer does not sign and return that notification form, along with proper proof of identity, the opt-out automatically expires after five years. The CRA is not required to send notification of that expiration... it is automatic based on the consumer's failure to have provided the signed election form.
10-13-2012 07:40 AM
It has been about 1.5 years. No longer. For both DB and DH. I know about the 5 years, and yes, thanks, I did go to that site to opt out for all of us.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.