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Credit and Finance Advice
Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
Preapproved Credit Offers
Find out how your name gets on a mailing list, why you receive certain preapproved credit offers and how you can opt out.
Today, most companies develop a description of their ideal customers and then tailor unique sales offers to fit those customers’ needs. This approach is called target marketing. The right mailing list helps a business reach only those consumers who are likely to be most interested in its products and services.
As a consumer, you may choose to exclude your name from consumer reporting agency lists for unsolicited credit and insurance offers. This option is called opting out.