TIRED OF ALL THE PRE-APPROVED CREDIT OFFERS YOU ARE GETTING IN THE MAIL????? DO YOU WORRY – LIKE ME – THAT AN UNAUTHORIZED PERSON MIGHT INTERCEPT THAT OFFER?
Consumer Credit reporting companies – Experian, TransUnion, Equifax and Innovis – are permitted to include your name on lists used by creditors or insurance companies to make “FIRM” (pre-approved or prescreened) offers of credit or insurance to you.
The Fair Credit Reporting Act (FCRA) allows consumers to “OPT OUT” of such offers. “Opting Out” prevents the credit reporting agencies from providing your credit file information for Firm Offers. You may choose to Opt Out for a five-year term, or Opt Out Permanently
If you “OPT OUT”, you will no longer be included on any firm offer lists provided by any of the credit bureaus listed above.
For more information, go to www.OptOutPrescreen.com. The site will ask for personal information such as your social security number and birthdate. If you are uncomfortable providing this information online, you may Opt Out via US Mail.
You may also “OPT IN” to be included on these lists.
Free notary service is available at HFECU.
You are entitled to one free credit bureau report per year. Using this link will enable you to access all three credit bureaus. You will be given the opportunity to purchase your FICO score, or other products offered by the bureaus, but you can turn down the offers, and simply get your credit report – which is far easier when not making any purchases!
Experts in Identity Theft recommend obtaining a “baseline” credit report, reviewing the report carefully, and then obtaining annual reports to verify that there has been no fraudulent activity.
TIP: Access one of the credit bureaus every four months – in other words, rotate through them. This will enable you to more closely monitor your credit history.
In case you need it, our ABA routing number is 324376740.
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