topic Re: Opt out??? in Rebuilding Your Credit

Opt out???

Anonymous — Fri, 22 May 2009 22:33:34 GMT

I have read several posts regarding 'Opting out' and I would like more information on that process. I would like to opt out as I am in the middle of major credit repair, and I do not want old creditors loking at my reports and trying to get in on the action. Any help will be greatly appreciated!

Experian 615

TransUnion 589 (refuses to budge!)

Re: Opt out???

Anonymous — Sat, 23 May 2009 00:12:55 GMT

You just go to the website and opt out. Then each CRA is notified and your file is blocked for promotional purposes.

If you opt out with current creditors you are in good standing with it prevents them from sharing your information with others.

Re: Opt out???

nothingman02 — Sat, 23 May 2009 01:42:42 GMT

@Anonymous wrote:
I have read several posts regarding 'Opting out' and I would like more information on that process. I would like to opt out as I am in the middle of major credit repair, and I do not want old creditors loking at my reports and trying to get in on the action. Any help will be greatly appreciated!

Experian 615
TransUnion 589 (refuses to budge!)

If you are repairing your credit, i'd very strongly recommend opting out until everything is absolutely all clear!

Re: Opt out???

fused — Sat, 23 May 2009 04:11:30 GMT

I agree 100%!

Re: Opt out???

AndySoCal — Sat, 23 May 2009 05:52:58 GMT

There are three different opting outs. They are

1. Opting out of any prescreened credit or insurance offers

2. Opting out when a creditor changes the terms of your account

3. Opting out related to privacy policy choices ie the comany sharing your personal information affiliated company or companies. etc.

Which one are you referring to?

I definitly recommned the first opting out. I have done this several years ago and have no regrets.

Re: Opt out???

Anonymous — Mon, 25 May 2009 19:03:10 GMT

What website do I use? do I have to go to each CRA website or is there one central place where I can do this?

Re: Opt out???

nothingman02 — Mon, 25 May 2009 19:48:42 GMT

@Anonymous wrote:
What website do I use? do I have to go to each CRA website or is there one central place where I can do this?

I did a quick searh. Here is the link

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&message.id=31945&query.id=389576#M31945

Re: Opt out???

AndySoCal — Wed, 27 May 2009 01:29:52 GMT

Here is a link for all the bureaus

https://www.optoutprescreen.com/?rf=t

Sorry for belated response.

Re: Opt out???

pisspoorcredit — Thu, 17 Jul 2014 15:41:48 GMT

Does this have any relation to disputing old addresses with the CRA's? I thought I saw this in another post but wasn't sure why?

Re: Opt out???

gdale6 — Thu, 17 Jul 2014 21:53:28 GMT

@pisspoorcredit wrote:
Does this have any relation to disputing old addresses with the CRA's? I thought I saw this in another post but wasn't sure why?

Its really not necessary today, in years past one would opt out to avoid data miners that would be mining your info and selling it all off, the only thing it really affects today is pre screened/approved credit card offers, if you dont want them then opt out but that would be the only reason one would do so.