You Can Opt-Out Of “Pre-Approved” Credit Offers

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Financial hardship is solvable. After your first conversation with Denvil Crowe, you should feel like you've just talked to an old friend who gave you straight answers, and nothing but straight answers. Denvil Crowe has the experience, knowledge, and qualifications to assist anyone who needs to consider filing a bankruptcy case, in the face of any financial hardship.

Many clients ask if they can limit or eliminate pre-approved credit offers. The answer is that consumers may either opt out, via the internet or phone, of receiving them for five years or permanently. To opt-out permanently, a person must complete and submit a signed Permanent Opt-Out Election form, provided on request. 

Specific personal information such as a home telephone number, name, Social Security number, and date of birth must be provided by the consumer. Any information provided is confidential and will be used only to process the opt-out request.

To permanently opt-out by mail, send a written request to each of the major consumer reporting companies. Of course, as mentioned above, the request must include a home telephone number, name, Social Security number, and date of birth. 


Opt Out

P.O. Box 919

Allen, TX 75013


Name Removal Option 

P.O. Box 505 

Woodlyn, PA 19094 

Equifax, Inc.


P.O. Box 740123

Atlanta, GA 30374-0123

Innovis Consumer Assistance

P.O. Box 495

Pittsburgh, PA 15230-0495

Opting-out from prescreened lists has no effect on a consumer's ability to apply for or obtain credit or insurance. Requests to opt out are processed within five days, but it may take up to 60 days before a consumer stops receiving prescreened offers. Persons who have a change of heart may also opt back in using the same contact information to opt-out.

Opting-out stops pre-screened solicitations based on lists from the major consumer reporting companies. Solicitations may continue for credit and insurance based upon lists from other types of entities, including companies with which you have already conducted business. To stop mail from these organizations and groups, consumers must directly contact each source.

Don’t let the stigma of bankruptcy keep you from solving your financial problems! An experienced Tupelo, Mississippi bankruptcy attorney is here to help you if your financial position necessitates the consideration of filing a Chapter 7 or 13 bankruptcy case.If you have any questions that require immediate answers or if you just need someone to help you accurately review and thoughtfully consider your options, we can help you decide whether bankruptcy is your best option. Call 800-429-HELP (4357), email us at or check us out online today!

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