cancel
Showing results for 
Search instead for 
Did you mean: 

opt out/in

Established Member

opt out/in

New here Ive been lurking for a couple of weeks.  Learned a heck of alot so far, didnt even know anything about utilizationSmiley Surprised

 

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?

Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: opt out/in


drudown wrote:

New here Ive been lurking for a couple of weeks.  Learned a heck of alot so far, didnt even know anything about utilizationSmiley Surprised

 

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".



 

Message 2 of 6
Moderator Emeritus

Re: opt out/in

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.

Message 3 of 6
Established Member

Re: opt out/in

Thank you both.  Im pulling my free reports today.

Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Message 4 of 6
Super Contributor

Re: opt out/in

 


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. 

Message 5 of 6
Frequent Contributor

Re: opt out/in

I checked mine today. Only one said that. I'm at work and can't remember which one. Anyway, it only takes a second to opt out or in so do it again. It won't hurt.

Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Message 6 of 6