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New here Ive been lurking for a couple of weeks. Learned a heck of alot so far, didnt even know anything about utilization
How do you know if you have opted out from credit offers? I cant remember if I opted out or not years ago. If I did opt out in the past, will I still be able to opt back in?
@Anonymous wrote:New here Ive been lurking for a couple of weeks. Learned a heck of alot so far, didnt even know anything about utilization
How do you know if you have opted out from credit offers? I cant remember if I opted out or not years ago. If I did opt out in the past, will I still be able to opt back in?
Welcome.
You can always go through the process of Opt Out/Opt In again if you can't remember. Unless you send in a hard copy for a permanent opt out though the opt out feature online only lasts for 5 years.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
And if you pull your full reports directly from the CRAs (or via annualcreditreport), you'll see a mention at the very bottom of the report with a simple one-sentence saying that you are opted out, if that's the case.
Thank you both. Im pulling my free reports today.
@llecs wrote:And if you pull your full reports directly from the CRAs (or via annualcreditreport), you'll see a mention at the very bottom of the report with a simple one-sentence saying that you are opted out, if that's the case.
+1. I opted out and my reports says File Blocked for Promotions. I can't remember if all three reports says that.