Tired Of Credit Card Offers? Take Your Name Off the Marketing Lists

Lately, my mailbox has been stuffed full of credit card offers. To be honest, I haven’t done anything about it because I’m actually in the market for a shiny new credit card. Hopefully one with a fat signup bonus, and a decent rewards program. So I’m ok with the credit card offers.

What I’m not happy about is the constant stream of solicitations for refinancing my home loan, switching my car insurance company, and changing my TV service. At some point, it needs to stop. Not only because it’s annoying and wasteful, but also because it can be a bit of an identity theft risk.

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Cutting Off The Junk Mail Stream

credit card junk mailAt some point, I’ll probably cut off the credit card offers. And I’ll also want to stop the flow of other junk mail. The good news is that it’s possible to do this — do it fairly easily. You have to online stops to make:

  1. DMAchoice: Use this site to opt out of direct marketing campaigns. While you probably won’t stop everything forever, this site can really help you slow the trickle.
  2. OptOutPrecreen: This site is all about opting out of prescreened credit card offers. If you want to stop receiving offers for loans and credit cards, you can use this site to reduce your junk mail from that quarter.

Even though it seems as though the junk mail industry is one of the few things helping the USPS stay even remotely in the game, that doesn’t mean I want to keep receiving that stuff. It’s frustrating to have to wade through it all, and shred it. As result, I’ll soon be heading them off.

Protecting Your Identity

While there is no completely full proof way to avoid having your identity stolen, you do need to do what you can to prevent identity theft. One of the ways to do that is by reducing the amount of information about you floating around. Stopping junk mail can also help.

When you have your name taken off marketing lists, you are in fewer databases that can be hacked. On top of that, there is still a risk when it comes to the way that identity thieves sometimes get your information — from marketing mail. Some unscrupulous could use the offers to pretend to be you, and get a credit card in your name. All it takes is a little extra information, and an address change, and the card goes elsewhere. (It’s a good idea to keep on top of your credit by checking for these fraudulent accounts on your credit report.)

These days, it’s all about information. Restricting your information can be one of the ways that you can reduce the chances of being a victim of identity theft. When you do receive marketing mail — especially if you are receiving prescreened credit offers — be sure to shred them. You don’t want to throw out something that someone else can use to pretend to be you.

If you are tired of receiving junk mail, and if you want to do your part to live a greener lifestyle, you can put a stop to a lot of what appears in your mailbox. And it just might help you protect your identity as well.

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Miranda is a freelance writer and professional blogger. She writes for a number of personal finance blogs, including Planting Money Seeds. She has a M.A. in journalism, and is the author of Confessions of a Professional Blogger. Miranda lives Utah, where she enjoys spending her free time reading, traveling and playing with her son and husband.

Last Edited: 1st August 2012


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