Want to add roughly 10 points to your credit score and get a lot less unwanted junk mail?
Logging in to www.optoutprescreen.com will keep Experian/Equifax/TransUnion from selling your credit information to credit card and insurance companies that in turn offer pre-approved credit card and insurance offers to you.
Credit scoring formulas view “opting out” positively since it more or less removes the constant temptation for obtaining new debt. This results in higher scores according to most credit experts.
The government forced the credit bureaus to offer this choice to consumers. Along the same lines, as most of you know, the government requires that Experian/Equifax/TransUnion give you a copy of your credit report once a year for free via www.annualcreditreport.com or 877-322-8228. They will charge you $10 to give you a score but they have to give your report for free.