Today’s question comes from Mr. Richard Fader of Fort Lee, New Jersey. Richard’s question is one I’m sure we’ve all wondered at some point: “What can I do about all of the junk mail I receive?” That’s a great question, and, thankfully, there is something you can do to cut back the spam and keep your mailbox clutter-free. 

The main issue is that Equifax, Transunion, and Experion are selling our information to lenders, credit card companies, and insurance companies. 

“Not only does opting out of junk mail keep your mailbox neat and tidy, but it also helps protect you against identity fraud.”

You have a couple of ways you can remove your name from the mailing lists that junk-mail senders rely on: 

1. Visit www.optoutprescreen.com. This web portal, run by the three major credit bureaus I mentioned earlier, allows you to opt out for a five-year period or for life. 

2. Call 888-5OP-TOUT (888-567-8688). This number will direct you to the same portal as the website I mentioned earlier. However, by calling this line, you can only choose to opt out for a five-year period. Be prepared to answer a few personal questions when you make this call. But don’t worry—this information will never be shared. It will simply be used to remove you from their mailing lists.

Not only does opting out of junk mail keep your mailbox neat and tidy, but it also helps protect you against identity fraud—as junk mail is a common target for those seeking to steal personal information. 

If you have any other questions or would like more information, feel free to give me or my team a call or send us an email. We look forward to hearing from you soon.