I received a letter from Experian today regarding permanently removing my name from pre-approved credit offer mailing lists. The letter is requesting name, Social Security number, current address, and previous address. I would like to permanently remove my name, but I am not sure that this letter is legitimate. Can you please confirm?
The letter you describe sounds as though it is a “Notice of Election to Opt Out” form. If so, then it is indeed legitimate. When you request to be opted out, we remove your name from marketing lists for five years. To be opted out permanently, you must complete the form and return it to the address provided.
Keep in mind that opting out removes you from the credit marketplace. Preapproved credit offers can be beneficial if you are considering applying for a new account. They offer opportunities you may not have or be aware of otherwise and at competitive rates.
If you do choose to permanently opt out, you can choose to opt back at a later date by calling 888 5OPTOUT (1 888 567 8688) and selecting the option for opting in, or by visiting www.optoutprescreen.com and following the instructions to opt in again. Be aware that it may be several months before you begin to receive offers again.
Thanks for asking.
The “Ask Experian” team