Internet Security

Is OptOutPrescreen Legitimate? Uncovering the Truth.


Feeling swamped by the direct marketing you get? Uncover the facts about OptOutPrescreen and find out if it’s the ideal answer for you. Guard yourself from fake offers and take back control of your inbox.

Quick facts: Is Optoutprescreen Legit

  1. ✅ OptOutPrescreen is operated by the major consumer reporting companies, including Experian, Equifax, and TransUnion (The Federal Trade Commission).
  2. ✅ OptOutPrescreen allows consumers to opt out of receiving unsolicited offers of credit and insurance for five years (The Federal Trade Commission).
  3. ✅ OptOutPrescreen does not affect your credit score or credit report (The Federal Trade Commission).
  4. ✅ In 2018, over 8 million consumers chose to opt out of credit and insurance offers through OptOutPrescreen (The Consumer Financial Protection Bureau).
  5. ✅ OptOutPrescreen is a free service and does not require any personal information to use (The Federal Trade Commission).


OptOutPrescreen is a legit service from the Consumer Credit Reporting Industry (CRCI). It helps people manage their personal data. You can stop getting pre-approved offers of credit or insurance. This is offered by Equifax Information Services LLC, Experian Marketing Services LLC, Innovis Consumer Assistance LLC, TransUnion Consumer Solutions LLC, and other CRCI members.

It’s because of the Fair Credit Reporting Act (FCRA). This law gives people the right to “opt-out” from pre-approved offers. When you use OptOutPrescreen, your info won’t be used for marketing unless you opt in again. Plus, it helps prevent identity theft by limiting access to sensitive personal info.

What is OptOutPrescreen?

OptOutPrescreen is a website created by the major consumer credit reporting companies. It gives consumers the chance to opt out of getting prescreened offers of credit or insurance. An individual can choose to not have their credit info shared with third parties. This is completely voluntary and free.

The website also allows someone to stop their name from being used for marketing and restrict access to public records in their credit file. They can choose to opt out from all prescreened offers for good, or select to opt out for only 5 years. OptOutPrescreen is a secure and legitimate website where people can control how and when companies contact them.

How Does OptOutPrescreen Work?

OptOutPrescreen is an online service from credit reporting companies. It lets users opt out of pre-screened credit and insurance offers. Users must provide their name, address, and Social Security Number. Then they get a confirmation code via mail or email. That code shows they opted out. They can opt in or out again at any time.

Credit companies use the info submitted to see if an individual is eligible for offers.

Is OptOutPrescreen Legitimate?

OptOutPrescreen gives you the power to opt out of receiving pre-screened offers of credit or insurance. It’s regulated by the Fair Credit Reporting Act (FCRA). This service also helps you access your credit scores and reports, making it easier to protect your credit health. If you opt out, you can reduce the amount of junk mail you get and limit who can access your credit info.

OptOutPrescreen has been around since 2004. It’s becoming more popular as people look for ways to reduce their unwanted mail. The service is legit and helps protect your personal info from being shared without your knowledge or consent.

Pros and Cons of OptOutPrescreen

OptOutPrescreen is a service that gives you the choice to join the national Do Not Call Registry. This can help protect you from identity theft. It also reduces junk mail and stops pre-approved credit cards that may lead to debt. Lastly, it guards your credit score from dropping due to too many open accounts.

On the other hand, opting out might mean missing out on good deals. It also decreases the chances of getting promotional offers with discounts or rewards. Lastly, there’s a possibility of a false positive even after opting out.

Alternatives to OptOutPrescreen

Conclusion-Is OptOutPrescreen Legitimate? Uncovering the Truth.

OptOutPrescreen is a legit website that allows people to opt out of getting credit/insurance offers. But, there are alternatives to it. For instance, the National Do Not Call Registry (DNC). It restricts telemarketers from sending unsolicited calls/texts to folks who have registered their numbers with the Federal Trade Commission (FTC).

Another option is the consumer reporting agency websites like Experian, TransUnion and Equifax, as well as Credit Karma’s “Do Not Sell My Personal Information” page. They let users stop getting pre-approved offers from their partners’ database.

Finally, Privacy Rights Clearinghouse (PRC) also has a page. On it, customers can register their name/address with the 4 biggest consumer reporting companies. This lets them opt out of pre-screened offers for 5 years or forever.

Credit Karma

Credit Karma Inc. is a personal finance company and free credit score provider that offers free services like credit monitoring, tracking your credit score, and identity theft protection. As a user of Credit Karma’s free service, you can choose to opt-out of pre-screened offers from their partners. This opt-out is available on the Credit Karma website. It prevents sharing your personal information for the purpose of receiving pre-screened offers.

Experian provides OptOutPrescreen, an online service sponsored by the three major consumer reporting companies. It helps consumers opt out of pre-screened offers. OptOutPrescreen also offers valuable info about your rights under the Fair Credit Reporting Act (FCRA). So you know your rights when it comes to managing your data privacy and security. Note: Opting out via OptOutPrescreen won’t stop all types of advertising. It just stops ads based on your credit report data.


Experian is a major credit bureau, trusted for credit reports. It’s also an Aptive Pest Control partner.

With Experian’s CreditWorksTM, customers get a snapshot of their credit profile, score analysis and tips to improve scores. Plus, they get unlimited updates and alerts related to their account. It’s a great resource for learning about:

  • Identity theft prevention
  • Credit reports
  • Account monitoring


TransUnion is a reputable, US-based credit bureau. It is one of three main bureaus, alongside Experian and Equifax. They gather data from creditors about their customers’ finances, such as account balances and payment history.

Individuals can get their credit report through a TransUnion membership, or once a year, free of charge, on Additionally, they can use TransUnion’s OptOutPrescreen to stop getting credit and insurance offers in the mail. Remember: if someone is asking you to sign up for this service elsewhere for money, it could be a scam.


OptOutPrescreen is an authentic service given by three major credit reporting companies – Equifax, Experian, and TransUnion. It is endorsed by government bodies such as the U.S. Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB). Moreover, consumer advocacy groups like Consumers Union support it.

By opting-out, people can protect themselves from receiving random pre-approved credit card offers in the mail. OptOutPrescreen is an easy way to say “no” to these offers. To find out more, visit the Federal Trade Commission’s website or call 888-5OPTOUT (888-567-8688).

FAQs about: Is Optoutprescreen Legit


Q: Is OptOutPrescreen legitimate?

A: Yes, OptOutPrescreen is a legitimate website and service provided by the major consumer credit reporting companies. It allows consumers to opt out of unsolicited pre-approved credit offers.

Q: How long will my opt-out request remain in effect?

A: Your opt-out request will remain in effect for five (5) years. After that, you may renew your request if you still wish to opt-out.

Q: Will opting out of pre-approved credit offers affect my credit score?

A: No, opting out of pre-approved credit offers will not affect your credit score.