Preapproved Credit Offers

Preapproved Credit Offers article image.

Find out how your name gets on a mailing list, why you receive certain preapproved credit offers and how you can opt out.

Mailing Lists and Preapproved Credit

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.

The Three Ways Your Name Gets on a Mailing List

Opting Out of Preapproved Credit Offers

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.

Read More About Opting Out of Preapproved Credit Offers

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Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.