opt out

[arethinn]

This month's health newsletter at De Anza included a somewhat lengthy piece (for the size of the newsletter) on identity theft. (Why? I guess because a lot of people read it. I suppose it is a kind of health...) When talking about the wisdom of shredding unwanted credit card offers rather than throwing them out the normal way, this was mentioned:

"Remove your name from the marketing lists of the three credit reporting bureaus -- Equifax, Experian (formerly
TRW) and Trans Union. Call 888-5OPTOUT. This will limit the number of pre-approved offers of credit that you
receive."

I know I could sure use less junk mail of that kind. Three credit cards is plenty, thanks. :P

Comments

[starlightforest.livejournal.com]

One of them is a carryover of the first credit card I got from being in an honour society at my community college. Another I got during university because I thought building more good credit would be a good thing. The third I just got because I wanted to have a Visa as well as Mastercards (there are a very, very few places which will accept only one or the other, and not both).

Point is, I had specific reasons for all of them. I don't actually need/use the purchasing power, although it does make me feel a bit more secure should I get into, say, a situation needing medical care which my insurance (being the Kaiser HMO) wouldn't cover. I always pay off the entire balances every month, which only amounts to a few hundred dollars tops. *shrug*

[silentbob037.livejournal.com]

You're probably doing better than I am. I have a balance on my one card that I'm trying to pay off but it's all on just the one card. I know a couple people with 5-6 cards and pretty sizable balances on all of them. I'd hate to have to carry around all of that debt.