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”).
You have the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. To “Opt-Out”, you can either opt-out online by visiting OptOutPrescreen.com or call 1-888-5-OPTOUT (1-888-567-8688).
Other Opt-Out Resources:
To get rid of most other junk mail, write a letter giving your complete name, name variations and mailing address to:
Mail Preference Service
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735
1-800-407-1088 Opt-Out from all mailing and telemarketing lists
To get off commercial E-mail lists
http://www.dmaconsumers.org/optoutform_emps.shtml
To remove your name … (more) April 24, 2007

Posted in Credit Card Tips Comments Off

You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options –
- With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred until 6-9 months after graduation.
- With a private loan, the interest rate will be slightly higher than with a federal loan but will still be lower than average. In addition, you will only need to make interest payments until after graduation.
- With a credit card, on the other hand, the interest rate can be as high as 21%. Interest begins accruing almost immediately, and you … (more) April 22, 2007

Posted in Student Loans Comments Off

Brought to you by CreditCardFlyers.com
Nearly all of us use credit cards on a regular basis, and many of us could always use one more. Getting that best credit card, however, is not something that you just happen to come across, but you can get some real good deals, these days. So, before you sign-up on the next credit card application you receive in the mail, here are a few things you need to look for – otherwise you may not be getting quite the deal you thought.
In order to get that better deal on your credit card, you need to take a couple of minutes and think about on which of the following categories of items you regularly spend the … (more) April 22, 2007

Posted in Choosing Cards Comments Off