Although credit card companies make it difficult for consumers to opt out of their prescreened card offers, alternatives such as a toll-free telephone number and the website are just two avenues that allow them to do so.

According to Alan S. Kaplinsky of Ballard Spahr’s Consumer Financial Services Group, under the Fair Credit Reporting Act, consumers also can opt out of receiving all prescreened offers of credit, including credit-card offers, by notifying the credit bureaus in writing.

This can be done by visiting each credit bureau website, or calling them individually for the correct address.

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Consumer Financial Services