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legal
update:
preapproved credit card offers
If you have a credit card and a decent credit record,
chances are that you receive dozens of “prescreened” or “preapproved” offers
for credit cards every month.
There’s nothing wrong with these offers. You get them because companies
that solicit new credit card accounts have asked a consumer reporting company
for a list of people in the database who meet certain criteria or who have a
certain credit score. Receiving preapproved offers—or rejecting them—does
not have any effect on your credit rating. In fact, prescreened offers can be
useful if you are in the market for a credit card. They can help you learn about
what’s available, compare costs, and find the best product for your needs.
Because you are preselected to receive the offer, you can only be turned down
under limited circumstances.
However, preapproved credit card offers do contain sensitive personal information.
If other people have access to your mail, or if you dispose of preapproved offers
in the trash without shredding them, then they can put you at risk for identity
theft. If you decide that you don’t want to receive prescreened offers
of credit and insurance, you can opt out of receiving them by calling 1-888-5-OPTOUT
or by visiting www.optoutprescreen.com. The telephone number and website are
operated by the major consumer reporting companies.
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Dale,
Bald, Showalter, Mercier & Green, P.A.
200 West Forsyth
Street, Suite 1100
Jacksonville, Florida 32202-4308
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please
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