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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.

Opting Out of Firm Credit Offers

Experian encourages consumers in making informed decisions about credit or insurance offers. Firm offers can provide consumers with opportunities to take advantage of offers that might not be available to the general public, and can by provide more product choices for better comparison shopping.

Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides consumers with the right to opt-out of these offers. If you choose to opt-in or opt-out, you can visit www.optoutprescreen.com to make your request online.

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