Post written for a Marketing Agency

Tired of mailbox mess?

Don’t you wish you could stop those annoying credit card offers?  Junk mail credit card offers will be a thing of the past once you opt out either electronically or in writing. No more overstuffed mail box or your personal information getting sold to the highest bidder.

If you opt out in writing it is permanent , but electronically it is supposed to last for 5 years. when you “opt out” of upcoming credit card offers, your score will actually improve!

Stopping Credit Card Offers Benefits Your Credit Score

I have heard varying results betwen 3 to 15 points and with everyone’s credit profile differing results will certainly vary. Cross your fingers for a higher result though! While the junk mail won’t stop instantly, it will taper off and then stop in a few months.  The creditors sending the offers don’t pull a new list every time they mail, but once they do update it you won’t be on there. Go to this link to opt out: https://www.optoutprescreen.com/?rf=t But if you’re worried about putting your information on a site you’re not sure of, check out what the Federal Trade Commission had to say about it: http://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers

Improve Your Credit Score Further

If your credit score needs more help than that, a secured credit card might be the way to go. It costs very little (about $25 a year) but goes a long way to adding positive info to your credit profile.  If you have tons of credit card debt already, obtaining a new credit card may not be the answer for you. You need to have different types of credit on your report and having only credit cards is not the answer. We all want to be debt free but life often gets in the way. Plus it’s difficult to rent a car or hotel room without a credit card. If you’re unsure about what to do  there is one thing to be certain about- Avoid consumer credit counseling!  If you’d like more info on why that is or who I recommend for secured credit cards, give me a call.