Unsolicited CC offers...

[Rodentman]

I'm sure some of you get these, as do I.

What do you do with them? Do you shred them, send them back......?????

[East Bay Rider]

Shred

[wantonebad]

It's a good idea to opt out and to keep phishers, insurers and cc companies out of your business.

Federal Trade Commission Consumer Information

[Rodentman]

The opt out doesn't seem to work, as I keep getting these. So does The Rodentwoman. I scratch out the bar code on the back of the envelope and send the material that doesn't have my ID on it back to them along with photos from certain magazines. Sometimes a little talcum powder or smokeless powder to sweeten the deal.

Let them come after me. Make my day.

[seand442]

Shred, shred, shred. The offers are bad but the damn balance transfer checks are driving me nuts. I've tried to opt out but they apparently like killing trees.

[sea-dweller]

I shred them.

[cop414]

Originally Posted by seand442

Shred, shred, shred. The offers are bad but the damn balance transfer checks are driving me nuts. I've tried to opt out but they apparently like killing trees.

I shred them immediately. PITA...

[Rodentman]

I think it's Crapital One that sends out more of these per year than there are people in the USA. And they're based in SD because they have no usury laws. I'd like to see the training for the mail room people. They probably have a special session to deal with the stuff I send them.

I surely won't win the Nobel Prize for Maturity but I'm trying to either.

[wantonebad]

Originally Posted by Rodentman

The opt out doesn't seem to work, as I keep getting these. So does The Rodentwoman. I scratch out the bar code on the back of the envelope and send the material that doesn't have my ID on it back to them along with photos from certain magazines. Sometimes a little talcum powder or smokeless powder to sweeten the deal.

Let them come after me. Make my day.

Not sure how serious you are about this process and getting it stopped but I can tell you from experience that it can be done with a little work. It takes some diligence but you can get off of these lists. Opting out alone won't do it, but if you send a cease and desist letter to the CC's marketing executive offices you will get swift action.

The good part about opting out is it's much harder for people to easily get your personal information.

[77T]

Originally Posted by Rodentman

The opt out doesn't seem to work, as I keep getting these. So does The Rodentwoman. I scratch out the bar code on the back of the envelope and send the material that doesn't have my ID on it back to them along with photos from certain magazines. Sometimes a little talcum powder or smokeless powder to sweeten the deal.

Let them come after me. Make my day.

Let me know how that works for you after the Postal Inspectors finish with you

But a more effective method is to lock access to your credit report. Without access to that info they have no way to target you.

Each of the 3 bureaus offer it: Equifax, Experian, and TransUnion

Here is a sample FAQ from Equifax: https://help.equifax.com/app/answers...locked-reports

[wantonebad]

Originally Posted by 77T

Let me know how that works for you after the Postal Inspectors finish with you

But a more effective method is to lock access to your credit report. Without access to that info they have no way to target you.

Each of the 3 bureaus offer it: Equifax, Experian, and TransUnion

Here is a sample FAQ from Equifax: https://help.equifax.com/app/answers...locked-reports

Not sure if you are talking about their pay for service program "Equifax Credit Report Control" and similar services from the other CRA's, but it is possible to accomplish the same blocking for free.

[77T]

Originally Posted by wantonebad

Not sure if you are talking about their pay for service program "Equifax Credit Report Control" and similar services from the other CRA's, but it is possible to accomplish the same blocking for free.

There is no charge to block access. Not recommending any paid services...

[wantonebad]

Originally Posted by 77T

There is no charge to block access. Not recommending any paid services...

My mistake, what is the process again? I might be missing the details, thanks!

[Rodentman]

I'll be sure to add all of my forum friends to my visitor list at the Federal Pen. I'm sure there will be sufficient space on the list. I understand the weather is pretty good up in Duluth right now.

All seriousness aside, I was just curious how people dealt with these mailings.

[77T]

Originally Posted by wantonebad

My mistake, what is the process again? I might be missing the details, thanks!

AARP is a good resource - your State may also have stronger protections in its laws: http://www.aarp.org/money/scams-frau..._id_theft.html

Although the laws are created to block fraud, the method blocks the card companies, too.

[77T]

Originally Posted by Rodentman

I was just curious how people dealt with these mailings.

Nip it at the source - then you won't be dealing with it

[wantonebad]

Originally Posted by 77T

AARP is a good resource - your State may also have stronger protections in its laws: http://www.aarp.org/money/scams-frau..._id_theft.html

Yes my state does have stronger laws, however it's still about compelling the CC companies to comply. This isn't an issue that most consumer advocates waste any time on, understandably since fraud and exploitation is so rampant. I will check out the AARP site but is there something you have done that hasn't been talked about here?

[77T]

Originally Posted by wantonebad

Yes my state does have stronger laws, however it's still about compelling the CC companies to comply. This isn't an issue that most consumer advocates waste any time on, understandably since fraud and exploitation is so rampant. I will check out the AARP site but is there something you have done that hasn't been talked about here?

No, we did this in late 2008 and 2009. We have had zero "CC offers".

[mtrunner]

I shred them as well.