📵 How to Opt Out of Prescreened Credit Offers
Stop pre-approved credit and insurance mail for five years or permanently.
💰
Free
⏱️
Processing ~5 days; mail volume drops over the following weeks
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📋 Documents you'll need
- Full name
- Social Security number and date of birth
- Current and previous addresses (last 2 years)
🪜 Step-by-step
- Visit optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688).
- Choose the 5-year electronic opt-out or the permanent opt-out (permanent requires a signed mail-in form).
- Provide the identifying information requested so the bureaus can match your file.
- Confirm the request; the national credit bureaus process it within about 5 days.
- Watch for a drop in prescreened mail within a few weeks; existing marketing lists may take longer.
| Estimated cost | Free |
|---|---|
| Typical timeline | Processing ~5 days; mail volume drops over the following weeks |
Note This guide is general information and procedures, fees, and rules can change and vary by state or agency. The official authority is always the relevant government office and its official website. See our Disclaimer.
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Frequently asked questions
Will opting out hurt my credit score?
No. Opting out has no effect on your score or ability to apply for credit.
Can I opt back in?
Yes, return to the same site or phone number and request to be re-included.
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