How To Stop Getting Credit Card Junk Mail for Good

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These pre-approved mailings are generated based on your credit profile. Lenders get your information based on your credit profile from the credit bureaus: Experian, Equifax and TransUnion. If you have good to excellent credit, you may get inundated with offers.

There are several ways to stop credit card junk mail. Here’s a look at a few:

1. Opt Out Through Official Channels

If you’re looking for a way to opt-out of junk mail, you can:

• Use OptOutPrescreen: Experian, Equifax and TransUnion provide a website called OptOutPrescreen. You can:
  • Fill out a form online.
  • Call 1-888-567-8688 to opt-out by phone.
• Choose your opt-out duration:
  • A five-year opt-out prevents lenders and insurers from accessing your credit report for marketing purposes.
  • A permanent opt-out requires a signed form.
• Opt-out directly with credit bureaus: If you prefer not to use OptOutPrescreen, you can contact each bureau separately:
  • Equifax: Opt-Out Page
  • Experian: Opt-Out Page
  • TransUnion: Opt-Out Page
• Required information: To complete the opt-out process, you may need to provide:
  • Your current mailing address and previous address if you’ve moved in the last six months
  • Full name
  • Date of birth
  • Social Security number

2. Contact Credit Card Issuers Directly

Once you receive mailed offers, take note of the credit card companies and call their customer service numbers to request that your name be removed. 

If you want to be removed from bank lists, ask if they have opt-out forms for marketing mail to stop unsolicited offers. 

3. Register With DMAchoice

The easiest way to stop promotional emails is to register with the Direct Marketing Association, which has an opt-out list.

• Visit DMAchoice.org to opt-out of promotional mail including credit card offers.
• Caretakers can also sign up to opt-out of emails on behalf of those that they are caring for. 
• Be aware that the opt-out service doesn’t apply to small retailers, restaurants, unaddressed mail or political organizations. 

How to Stop Mail for Deceased or Relocated Individuals

You can use the DMA’s Deceased Do Not Contact List to stop mail for deceased relatives.

If you’d like to stop mail from individuals who have relocated, you can fill out a change of address form with the United States Postal Service.  

Other Ways To Reduce Junk Mail

There are other steps you can take to limit unwanted mail and protect your personal information.

• Sign up for e-billing to reduce paper statements and minimize physical mail.
• Shred circulars and mailed offers as soon as they arrive to help prevent identity theft.
• Monitor your credit report regularly to detect any unauthorized accounts or fraud.

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