When I was a kid I would check the mailbox every day after school when I got off the school bus. Hoping I magically had mail for some reason. Now, I check my mailbox hoping there is something other than credit card offers.
With identity theft running rampant the last thing I need is for someone to open a credit card in my name and run up a bunch of charges. I’m finally getting my own debt paid down and now my credit score is actually looking decent. I’m very proud of myself. I do not need someone else to ruin that for me.
Luckily I live in an apartment where the only people who can access my mail are me and the mailman. But still, I would feel a whole lot safer without all of these credit card offers in the first place.
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I used to just throw them away in my kitchen garbage that is full of food scraps and cat litter. So if someone wanted to steal my nonexistent credit and money they were really going to have to work for it.
Then I bought a 6-Sheet Crosscut Shredder but I just didn’t feel like keeping up with it because shredded paper takes up so much space and I really felt bad throwing it away. So now I’m just collecting it until I go to my mom’s for a bonfire and I can just burn it all. The small white basket is my “to be shredded” basket. The blue was for magazine subscriptions I couldn’t get rid of but finally expired. I dug to the bottom and it turns out this is about 6 months worth of credit card mail. There’s a couple other things in there, but this is all the junk my husband and I receive that I’ve determined we should shred or burn instead of throwing away.
Okay, to the information you actually want to know.
How Turn Off Credit Card Mailings
So today, as I received two more credit offers in the mail (though it turned out one was just an offer from my existing credit card). I decided I was fed up with it. I’ve been reading up on Zero Waste, and trying to figure out how I can implement a little of it into my life. So it’s time for credit cards to go.
I looked over the sheet and there was a nice section about how to opt out. I’ve highlighted it for your viewing pleasure.
You have a couple options:
You can call the toll free phone number at 1-888-567-8688
or write to one of the three credit reporting companies.
TransUnion Name Removal Option,
P.O. Box 505
Woodlyn, PA 19094
Experian Information Solutions
Allen, TX 75103
Atlanta, GA 30374-0123
I started by calling the phone number even though I absolutely hate making phone calls, but I was feeling pretty good today and thought I could handle it. It’s an automated calling thing so that was awesome. You can choose to be put on pause for five years or removed from the list permanently. It starts by asking you for your social security number, then your birthday, then your name and address. That’s when I decided I was done telling it information. It sort of freaks me out. Especially since Equifax just lost all that information to hackers.
So then I decided I would just write letters. I decided to write to all three to be on the safe side.
Chloe [original last name] DOB __/__/____
Chloe [current last name]
Joshua [original last name] DOB __/__/____
Joshua [current last name]
from your database permanently
[house number] [street number] [apartment number]
[city], [state] [zipcode]
So I just did this on October 26, 2017. I’ll keep you updated with the results and if this actually gets me off the lists.
If you have any other information or advice about getting off mailing lists I would love to hear them and I’m sure they’ll benefit others as well.