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Credit Card and
Insurance Offers

Equifax, Experian, Innovis and TransUnion

Due to a provision in the Fair Credit Reporting Act (FCRA), Experian, Equifax, Innovis and Transunion, collectively known as the "Consumer Credit Reporting Companies," are allowed to send lists with your name to credit card and insurance companies. Credit card and Insurance companies use this list to send you prescreened or preapproved credit or insurance offers. These types of offers are unsolicited and known as "firm offers."

You can opt out of all four of the major consumer credit reporting agencies by visiting is the official Web site for the Consumer Credit Reporting Industry.

Before opting out, you may want to consider the possible upside of receiving firm offers from credit card companies. When many companies are competing for your business, you may have the ability to comparison shop and take advantage of offers not available to the general public. You can read more about the benefits of receiving these offers here.
The official Web site of the Consumer Credit Reporting Companies that lets you opt out of prescreened credit card and insurance offers.