Credit Card Offerings that come in the mail

Anonymous · ‎03-06-2007

How do I stop all the credit card offerings that keep showing up in my mailbox?

Anonymous · ‎03-10-2007

Each offer you receive should have a phone number to opt-out or you can call the creidt bureau or check out any of their sites to opt out of pre-approved offers

SirMKnight · ‎03-11-2007

What I find so interesting with these offers is that I get flooded with pre-approvals and there is nothing I can/want to do with them. Recently the bank where I have my business account told me that I was pre-approved for a credit card and I ask if they had to pull my credit for the business credit card. Explained to the officer that my score was low 500's,they seemed to indicate that my personal credit would not matter,so I went along with the charade and tried to forget it. Sure enough they turned me down since I currently have some medical collection to clear up. What do they look on to determine my pre-approved status? How do I get my business to have its own history when its so linked to mine? Have a good one folks

Message Edited by SirMKnight on 03-11-2007 08:51 AM

Starting Score: 455 Eq 8/5/05
Current Score: 666 Ex 5/10/10
Goal Score: 720

Take the FICO Fitness Challenge

Anonymous · ‎03-12-2007

you can take a look at http://consumerist.com/consumer/credit/is-anyone-in-america-not-preapproved-240424.php

Message Edited by edgarleon on 03-12-2007 05:20 AM

Anonymous · ‎03-12-2007

Basically if your business is a sole proprietorship you will have to have a personal guarantee. I understand your predicament as I fileed bankruptcy in 2000 and even though my scores are right at 700 and above on TU and EX (660 EQ) I still cannot get business credit simply because of an old BK. Good luck.

SirMKnight · ‎03-13-2007

So basically as a sole owner - improving your scores will not in itself make it possible for you to accesss the resources you need. Thanks for the feed back Have a Great day

Starting Score: 455 Eq 8/5/05
Current Score: 666 Ex 5/10/10
Goal Score: 720

Take the FICO Fitness Challenge

Anonymous · ‎03-13-2007

I'm not saying tht improving your score won't help, I just think that in my situation, that BK on file will preclude me from getting the business credit I need until it falls off.

Anonymous · ‎04-01-2007

It took 2 months for me to finally stop receiving credit card offers in my home mail (happened 10-15 times PER WEEK), but now I receive NONE.

You can make a single phone call to a number established by the credit reporting industry. This number is:

1-888-5-OPT-OUT (1-888-567-8688)

When you call this number, you may request to have your name and address removed from national credit bureau lists that are sold to the credit industry. The three national credit reporting agencies-- Experian (formerly TRW), Trans Union, and Equifax-- will remove your name for a two-year period from any list provided to others relating to any potential consumer credit transaction that you did not initiate. You will have to provide some personal information and follow the directions you receive from a prerecorded message. If you follow these directions, your name should be removed from these lists within five business days.

Hope this helps.

Anonymous · ‎04-10-2007

IIRC, when you call the toll free number, you are offered information whereby you can write in and request either a longer term or permanent Opt Out option.

Anonymous · ‎04-18-2007

You can opt out for 5 years or permanently by calling the number posted above. Or you can go online at http://www.optoutprescreen.com. Your postman will be grateful!