topic Re: opt out/in in General Credit Topics

opt out/in

Anonymous — Sat, 28 May 2011 03:57:00 GMT

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?

Re: opt out/in

MarineVietVet — Sat, 28 May 2011 04:07:19 GMT

@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".

Re: opt out/in

llecs — Sat, 28 May 2011 13:17:44 GMT

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.

Re: opt out/in

Anonymous — Sat, 28 May 2011 17:20:22 GMT

Thank you both. Im pulling my free reports today.

Re: opt out/in

DI — Mon, 30 May 2011 00:55:29 GMT

@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.

Re: opt out/in

Anonymous — Mon, 30 May 2011 01:21:23 GMT

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.