FRONT PORCH

Ever wonder how companies get your name and address to send you those “firm offers” for credit cards and insurance? It’s often due to information from your credit file being used for prescreening. But you have the power to stop it.

The Fair Credit Reporting Act (FCRA) allows you to opt out of these prescreened offers. The official and secure way to do this is through OptOutPrescreen.com. This website is a service provided by the four major consumer credit reporting companies: Equifax, Experian, Innovis, and TransUnion.

You have two main options for opting out:

• Five-Year Opt-Out: You can complete this process electronically through the website.
• Permanent Opt-Out: For a permanent opt-out, you’ll need to mail in a signed Permanent Opt-Out Election form, which is also available on the site.

By opting out, you can reduce the amount of mail you receive and help protect your personal information from potential misuse. Visit OptOutPrescreen.com to take control of your credit information today.