I don't know how well opting out works. I'm opted out and I haven't received any cc offers, but get at least 4-5 auto loan offers per week. I still even get auto offers from the company I actually bought a car from! I think maybe the car dealers get your info from the court rather than the CRAs.
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 04/20/13 TU 626; EQ 647; EX 631 fako 
Goal Score: 625 for now– New goal 675Cap1 sec $200 / FP $300 / Fingerhut $300/ NFCU nRewards $500 (last app 3/11/13)
