Always a bridesmaid....

[markbeiser]

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@MrSmooth wrote:

I get plenty of those. It is nice to tear up insulting offers that I once craved. 

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If they come with a postage paid return envelope, stuff everything else that came in the envelope addressed to you, including the envelope, into the prepaid one, and mail it back to them so they have to pay the postage!

[MrSmooth]

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@markbeiser wrote:

If they come with a postage paid return envelope, stuff everything else that came in the envelope addressed to you, including the envelope, into the prepaid one, and mail it back to them so they have to pay the postage!

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I once read about a gentleman who had gotten so irritated with one company that he wrapped up a brick in brown packaging paper and attached that company's postage paid envelope. He never heard from that company again. 

[markbeiser]

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@MrSmooth wrote:

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I once read about a gentleman who had gotten so irritated with one company that he wrapped up a brick in brown packaging paper and attached that company's postage paid envelope. He never heard from that company again. 

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I've thrown randome flat bits of metal in the envelopes before.
I do HVAC/R work, so usually have plenty of spare metal bits available.

[Horseshoez]

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@northway wrote:

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@GZG wrote:

reports frozen?

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Not for the last few months. But either way, that shouldn't stop any lenders I have an existing relationship with.

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This may explain the lack of some offers...

After my Chapter 13 was discharged I received mailers nearly daily, at the same time I discovered this site and started getting edu-ma-kated on credit, this in turn led me to freeze all three of my reports.  Within two or three months the offers completely dried up and I haven't seen a single one in the mail since, and that has been over three years now.  Funny thing though, I do see a few soft pulls from current lenders and a few more from places like the following:

• LendingClub Corp
• RateGenius Loan Services
• Equifax Consumer Services
• DealerTrack, Inc. (about the time I bought my new Tacoma)
• Priority Lending
• The Travelers Companies
• Amica Insurance

All this is to suggest, if you leave your reports unfrozen for a few more months, the offers might start ticking up.

[Dr_0Kewl]

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@Horseshoez wrote:

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@northway wrote:

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@GZG wrote:

reports frozen?

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Not for the last few months. But either way, that shouldn't stop any lenders I have an existing relationship with.

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This may explain the lack of some offers...

After my Chapter 13 was discharged I received mailers nearly daily, at the same time I discovered this site and started getting edu-ma-kated on credit, this in turn led me to freeze all three of my reports.  Within two or three months the offers completely dried up and I haven't seen a single one in the mail since, and that has been over three years now.  Funny thing though, I do see a few soft pulls from current lenders and a few more from places like the following:

• LendingClub Corp
• RateGenius Loan Services
• Equifax Consumer Services
• DealerTrack, Inc. (about the time I bought my new Tacoma)
• Priority Lending
• The Travelers Companies
• Amica Insurance

All this is to suggest, if you leave your reports unfrozen for a few more months, the offers might start ticking up.

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Same experience here. I have had all 3 bureaus frozen for years now and I rarely get any pre-approvals / solicitations. When I use to have it unfrozen and even going through the "Opt Out" request, I still got bombarded. I also notice many existing creditors state they cannot do soft pulls while my reports are frozen. I end up having to unlock for them to do a soft pull and then I re-lock shortly after. Unfreezing for a few months as noted may do the trick!