Pre-Screened Offers

[StrawberryIce]

If I were to opt-in for pre-screened offers, could that make my credit score go down?  I had opted out because I was told if I opted out that my credit score would increase 10 points.

[Anonymous]

Really??  If opting out would give me 10 points, I would do it in a heart beat!!!

[StrawberryIce]

Yep that's what she told me.  She's a Mortage Consultant with a bank.

[CraigHwk]

It's a myth.  Opting out has zero effect on credit scores.

Source: http://www.experian.com/blogs/ask-experian/2010/05/12/opting-out-of-preapproved-offers-does-not-help...

[StrawberryIce]

Wow ok thanks.  I see I stopped working with her for a reason.

[CraigHwk]

Ha!  I wish I had that luxury sometimes! 

[luis2k10]

Hardly.

I opted out a few years ago due to id theft. Just wanted to be a step ahead in case of any lost or wrongly delivered mail.  Cant say I miss receiving all that junk mail.

[ojefferyo]

I opted out awhile ago and opted back in like a couple of months ago. It seems that the opt-in doesn't work like it should. I can never get a pre-qual on any site to work, never have anything come up for me. 

[Anonymous]

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@StrawberryIce wrote:

Yep that's what she told me.  She's a Mortage Consultant with a bank.

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She should find a new profession.

[StrawberryIce]

She really should.  She'd take weeks to get back to me.