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Robert L Peters

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Opt Out to Credit Bureaus Selling Your Information

Over the past couple of weeks, I’ve had no less than three people tell me that as soon as they had their credit checked to buy a car or house, that within a couple of days they got multiple unsolicited offers for credit via phone and mail.  Here’s the thing:  for years, credit bureaus have been selling what are called “TRIGGER LEADS” to all types of debt purveyors including credit card hacks, mortgage lenders, auto lending companies and so on.  Whenever your credit is pulled by someone at your request for consideration of credit, the credit bureau simply serves up your info for sale to companies offering similar types of credit.  The theory according to these information behemoths is that this will provide ‘competition’ and the possibility that you’ll get the lowest price for credit.  Here’s the reality:  It’s a nuisance, an affront and everyone to whom I speak with about feels a little violated.

             So….if you want to stop these companies from profiting from YOUR information, there are a couple of simple solutions:

 

1)    Call  1.888.567.8688 –  this single call will take you off of all the Credit Bureau Marketing lists

2)    Write to each individual credit bureau requesting to be taken off their marketing lists.  Your letter simply needs to state the request along with your name, social security number and address.

 

Options
Equifax, Inc.

P.O. Box 740123
Atlanta, GA 30374-0123

 

Experian
901 West Bond
Lincoln, NE 68521
Attn: Consumer Services Department

 

TransUnion
Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

 


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