OPTING OUT OF CREDIT OFFERS

WHAT YOU NEED TO DO

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Opt Out

You may choose to exclude your name from credit reporting agency lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll-free phone number for you to call if you want your name and address removed from future lists. If you call, you may select to have your name removed for five years or permanently. If you select the option for permanent removal, you will be mailed a Notice of Election to Opt Out form to complete and return. The toll-free number for all the national credit reporting agencies is 1 888 5OPTOUT (1 888 567 8688).

Opting In

Most consumers prefer to continue to receive offers that may interest them. If you have previously opted out and would like to request that your name be included in prescreened offer lists, then call 1 888 5OPTOUT (1 888 567 8688) and select the option for opting in.

Opting Out of Other Direct-Marketing Offers

The Direct Marketing Association (DMA) compiles lists of consumers who prefer not to receive direct-mail solicitations for other products and services. DMA members, including Experian, use the DMA list to remove names from their own mailing lists. You can register online at www.dmachoice.org. In addition, you can write to:

DMA Mail Preference Service

PO Box 643

Carmel, NY 10512

If you write to the DMA, you’ll be removed from DMA-member lists for five years.

You also can have your name removed from telemarketing lists by adding your name to the National Do Not Call Registry. To register your name, visit www.donotcall.gov or call 1 888 382 1222.

Opting out will not end solicitations from all local merchants, religious and charitable associations, professional and alumni associations, politicians, and companies with which you conduct business. To eliminate mail from these groups — as well as mail addressed to “Occupant” or “Resident” — write directly to each source.

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