🚀 go-pugleaf

Also somewhat along these lines, I just got one of those letters from Trans
Union too, stating that they had *31* requests for information on my credit
during the past 12 months.  That number seems ridiculously high to me, 
as I can't even think of five times in the past 12 months when I have applied
for or requested anything that would require a credit check.  I requested 
their free report, which hasn't arrived yet, but am really curious as to 
whether others have such a huge number of credit checks on their records, or
whether I should be concerned by this.  Do those 'pre-approved' credit card
junk mailings actually get your credit report ahead of time, etc?  I had 
previously assumed that your credit report was only checked when you consented
by applying for something or requesting something, but perhaps I'm in 
error in that thought.

Heather

Chuck Wright (cawrigh@ibm.net) wrote:
: I recently obtained a free credit report on myself, and along with the
: report the credit bureau provided this interesting nugget of information:

: Mailing Preference
: ------------------
: Credit Reporting companies, such as Trans Union, occasionally provide
: your name to direct marketing companies offering goods and services
: which would seam of interest to you.  If you do not want to receive
: these mailings, you have the right to deny permission of the use of
: your name for these purposes.  Simply call the toll free automated
: marketing Opt-out telephone line, 1-888-567-8688.  You will be prompted
: to give your name, address, and social security number.  Your name will
: be removed from all of the credit bureau marketing lists.

: I found out about this because Colorado passed a law back in 1997 that 
: requires the credit reporting companies, such as Trans Union and Equifax, 
: to notify you if they process four or more requests for credit reports on 
: you in a 12 month period.  When the credit reporting agency notifies you, 
: they must give you the option to request your credit report free of 
: charge.  I requested mine, and along with the credit information they sent 
: me the Opt-out number.  The number is not just for Trans Union.  It takes 
: you off of the marketing lists of all the credit bureaus.  

: I'm hoping this will stop most of the junk mail I receive for credit cards 
: and mortgages. 

: Chuck Wright
: http://www.harrybrowne2000.org/