OptOutPrescreen.com is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.  By accessing the site www.optoutprescreen.com you are able to opt-in or opt-out of these offers. 

Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.

Through the www.optoutprescreen,com website, you may request to:

• Opt-Out from receiving Firm Offers for Five Years - (electronically through this website).

• Opt-Out from receiving Firm Offers permanently - (mail Permanent Opt-Out Election form available through this website).

• Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically through this website).

If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies.  If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public.

So if you are needing to improve your credit score, choosing to opt-out can help increase your credit score slightly.  There is no need to receive these offers via mail, when you can get the same offers via the internet.   So visit the www.optoutprescreen.com website today and be on your way to an improved credit score by chhosing to opt-out.