https://www.optout.ws/tags/prescreened-offers/Recent content in Prescreened Offers on OptOut.wsHugo -- gohugo.ioenOptOut.wsTue, 26 May 2026 00:00:00 +0000https://www.optout.ws/post/how-to-stop-prescreened-credit-card-offers/Tue, 26 May 2026 00:00:00 +0000https://www.optout.ws/post/how-to-stop-prescreened-credit-card-offers/ <h2 id="why-youre-pre-approved-keeps-showing-up">Why &quot;You're Pre-Approved!&quot; Keeps Showing Up</h2> <p>Those &quot;you're pre-approved&quot; credit card and insurance envelopes are not random. Under the Fair Credit Reporting Act, the three nationwide credit bureaus — Equifax, Experian, and TransUnion — are allowed to sell lists of consumers who meet a lender's criteria so the lender can mail a &quot;firm offer of credit or insurance.&quot; This is called prescreening, and it is legal by default unless you opt out. The Federal Trade Commission explains the mechanism in its guide to <a href="https://consumer.ftc.gov/articles/what-know-about-prescreened-offers-credit-and-insurance">prescreened credit and insurance offers</a>.</p>