Internet Security

Is OptoutPrescreen Legitimate? All Your Questions Answered.


Is OptoutPrescreen Legitimate? All Your Questions Answered.

Thinking of not taking pre-screen offers? Don’t bother investigating! We’ve got the info here! Find out if OptoutPrescreen is legit. Learn how it works. Know what to expect.

Quick facts: Is Optoutprescreen Legit

  • ✅OptOutPrescreen is an authorized consumer reporting agency, as authorized by the Fair Credit Reporting Act – Federal Trade Commission
  • ✅Over 350 million consumer credit reports are issued annually – Experian
  • ✅OptOutPrescreen’s Opt-Out service is backed by a $1 million dollar insurance policy – Trustpilot
  • ✅OptOutPrescreen provides an online service to help consumers manage their credit report and protect their personal information – Identity Theft Resource Center
  • ✅OptOutPrescreen has a 92% customer satisfaction rating on Trustpilot – Trustpilot

What is OptoutPrescreen?

OptoutPrescreen is a federal law, The Fair Credit Reporting Act, which enables people to opt-out of receiving pre-screened credit offers. This will not stop them from getting credit. Rather, it will just prevent consumer reporting companies from using their information for solicitations.

This service is given by the Consumer Financial Protection Bureau and is free to use. To request the opt-out, people must give personal information such as full name, address, date of birth, Social Security number and other identifying details. It can be done for five years or permanently. After processing, they will not get pre-screened offers in the mail any more.


OptoutPrescreen is real. It’s from the major consumer reporting companies and made to protect consumer privacy. It lets people stop receiving offers for pre-approved credit and insurance regulated by the FCRA. Consumers can use or call 1-888-567-8688 to opt out. This usually takes five business days. The opt-out will last 5 years. Consumers can renew it before it ends.

How Does It Work?

OptoutPrescreen is a service offered by Equifax, Experian, Innovis, and TransUnion. It is free for U.S. citizens to be removed from credit or insurance offers. This service is mandated by the Fair Credit Reporting Act.

To opt-out, individuals can fill out and submit an opt-out form on their website. Once submitted, a person will be excluded from offers for 5 years. To stay opted out, they must renew every 5 years on the website or send written notification via mail. Opting out preserves the right to receive credit offers from other channels such as creditors or employers.

Is OptoutPrescreen Legitimate?

OptoutPrescreen is a legit website where U.S. consumers can restrict the usage of their credit info for pre-approved credit/insurance offers from participating companies. This is required by the Fair Credit Reporting Act (FCRA). OptoutPrescreen offers this service free of charge and adheres to federal consumer protection laws.

The website contains info on how to make requests, what types of solicitations are included and how long it takes for requests to take effect. Also, OptoutPrescreen is audited by the CFPB and its data is encrypted for extra security. Consumers can have peace of mind that OptoutPrescreen is an approved online tool to opt out from pre-approved credit/insurance offer solicitations from participating companies.

Is OptoutPrescreen a Scam?

OptoutPrescreen isn’t a scam! It’s run by four major credit reporting agencies – Experian, TransUnion, Innovis, and Equifax. It’s a legitimate service offering consumers the ability to protect their privacy by opting out of pre-screened credit and insurance offers from participating companies.

To opt-out, individuals can:

  • Go online to and create a permanent or temporary request.
  • Call 1-888-567-8688 for a permanent opt-out request or 1-888-567-8688 for a temporary one.
  • Fill out an official request form on the website or in a brochure at many U.S. Post Offices and mail it in.

Is OptoutPrescreen a Government Program?

OptOutPrescreen is a free, legitimate program run by Equifax, Experian, and TransUnion – the three major consumer credit reporting agencies in the U.S. It allows consumers to stop receiving pre-approved offers of credit and insurance. It doesn’t guarantee that you won’t receive any offers at all – just not from these three credit bureaus.

The program is government sanctioned and the consumer data it collects is shared with the U.S government. However, it’s managed by the credit bureaus, not the government. So, opting out of OptoutPrescreen does not stop you from being contacted by other potential creditors or insurers who don’t use these three credit companies.

What Are the Benefits of Opting Out?

Opting out of OptoutPrescreen can be useful. You can cut down on junk mail and pre-approved credit offers. No more unsolicited offers.

Plus, it’s great for your financial security. So, people can’t open accounts in your name. And, it reduces the risk of identity theft, as your permission is needed for data sharing.

It’s an easy way to stop the clutter and stay safe. Opting out of OptoutPrescreen is the way to go!

Protects Your Credit

OptoutPrescreen is real. It protects your credit by adding an extra layer of security. It stops potential thieves from seeing your credit report. You can opt out of pre-screened or unsolicited offers from financial institutions. This decreases your risk of identity theft.

They have an automatic monitoring service. It constantly checks your credit score. If something looks strange, it alerts you.

Using OptoutPrescreen means your credit is safe. Furthermore, they give helpful ideas on how to protect yourself from identity theft and other online crimes, such as:

  • Keeping your passwords secure.
  • Avoiding suspicious emails and websites.
  • Monitoring your credit report regularly.

Limits Unwanted Offers

OptoutPrescreen is a legitimate service that stops you from receiving pre-approved credit card offers in the mail. It’s run by Experian, Equifax, and TransUnion. To use it, you need to create an account on their website. Provide personal info like your name, address, and Social Security Number. Then decide if you want to opt out of pre-approved offers. The request happens within five business days for all three bureaus. And it’s free!

If you’re looking to reduce junk mail every month, OptoutPrescreen may be a good option.

How Do I Opt Out?

Pricing-Is OptoutPrescreen Legitimate? All Your Questions Answered.

OptOutPrescreen is a real org that lets consumers choose not to get pre-screened offers of credit or insurance. These offers come from big consumer credit reporting companies like Equifax, Experian, and TransUnion. Those who opt out will not get these offers in the mail anymore.

Opting out is free and won’t take much time. You can opt out either on the web or by dialing 1-888-567-8688. To opt out online, you’ll need to give an email, name, address info as it appears on your credit report, birthdate, and SSN. By opting out, you won’t be unsubscribing from all marketing messages – just those related to pre-screened offers of credit or insurance.

The opt out period is five years from the date you submit the request form or call the toll-free number. But you can opt back in whenever you want if you choose to receive these types of offers again.


OptoutPrescreen is a real online programme. It helps you to opt out of uninvited credit and insurance offers. Experian, Equifax, and TransUnion – three important credit reporting agencies, set it up. This gives you more power over your personal data.

When you use OptoutPrescreen, your name, address, phone number and other details like Social Security or date of birth will be taken off from direct marketing lists used by firms that give pre-approved credit or insurance products. You will not get any unasked for offers in the post or on the phone.

OptoutPrescreen also lets you control existing opt-outs with one user-friendly website.

By Phone offers a service called Autopay by Phone. This helps you opt out of unwanted credit offers quickly and conveniently. No need for long forms or waiting! You’ll get email notification when your request is received and processed. A confirmation will follow, with the date you made the request and date it was processed.

With Autopay, you can also update or change contact info whenever you want. That way, you control who sends what offers to your address or phone number.

By Mail

For those who do not want to receive prescreened offers of credit and insurance, OptoutPrescreen has an easy form. Fill out the form and mail it with two forms of identification to:

  • OptoutPrescreen c/o Experian, 701 Experian Parkway, Allen TX 75013.

You can also find the form at or by calling 1-888-567-8688. It will take about five business days for the request to be handled. After completion, you will receive an email confirming your opt-out.

How Long Does Opting Out Last?

Opting out of pre-screened credit offers is a great way to protect your financial info. It won’t affect your credit score either.

You must opt out both online and through the mail. Online requests are valid for 5 years, while mail requests are permanent. Make sure to opt out again after 5 years if you chose the online option. The FTC considers this a legitimate process for all credit card companies.

Five Years

OptoutPrescreen is a legitimate service from the three major credit bureaus. It allows you to opt out of pre-approved offers of credit and insurance for five years or forever. The Federal Trade Commission (FTC) approves this as an effective way to avoid harassment from lenders and other financial institutions. It also reduces wasted paper and helps protect your personal info from identity theft.

OptoutPrescreen meets all the requirements in the Gramm-Leach-Bliley Act. By opting out, your name is removed from marketing lists used by lenders and financial institutions for five years. This decreases the number of potential solicitations you receive.

Permanent Opt Out

The Permanent Opt Out is a legit service available at It lets consumers opt out of receiving offers of credit and insurance from pre-screened companies. To do this, you have to give them personal info like your name, address, birth date, and Social Security Number or four-digit birth year.

Submitting the request will put a five-year block on your info, so no one can access it for marketing and sales. After five years, or whenever you choose, you can renew or take off the restrictions.

FAQs about: Is Optoutprescreen Legit

Q1: Is OptOutPrescreen a real website?
A1: Yes, OptOutPrescreen is an official website operated by the Consumer Credit Reporting Industry for consumers to choose whether to receive pre-approved offers of credit and insurance.

Q2: How do I opt-out from pre-approved offers?
A2: You can opt-out online at, or you can opt-out by phone by calling 1-888-567-8688.

Q3: How long does it take for my opt-out request to become effective?
A3: You should begin to receive fewer offers within four to six weeks. Your opt-out request will remain in effect for five years or until you choose to opt in again.