LuckyLucky Posted July 3, 2008 Report Share Posted July 3, 2008 I have seen this mysterious "opt out" and I have a very very vague understanding of what it is. Anyone care to share their wisdom and explain it to me?thanks so much! Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted July 3, 2008 Report Share Posted July 3, 2008 I recommend opting out of everything you can...privacy opt outs, FCRA opt outs, Do not call lists, DMA opt out, email opt outs, etc.. Link to comment Share on other sites More sharing options...
jestor151 Posted July 3, 2008 Report Share Posted July 3, 2008 Basically opting out is requesting your information be removed from particular lists. For instance, with the CRAs, opting out means your information will not be made available to companies wishing to send you pre-screened or pre-approved offers for credit. You should stop receiving those promotional mailings offering new credit cards.Other entities have opt out options as well, such as the national "Do Not Call" list. Link to comment Share on other sites More sharing options...
looksbothways Posted July 3, 2008 Report Share Posted July 3, 2008 Opt-out can also mean something you're automatically enrolled in unless you say otherwise.An opt-out system means everyone is enrolled and you have to choose to not be. An opt-in system means no one is enrolled and you have to choose to enroll. Link to comment Share on other sites More sharing options...
scorch Posted July 4, 2008 Report Share Posted July 4, 2008 I opted out first thing when beginning to make positive changes to my credit reports. When you opt out, you can actually remove your name from calling lists of telemarketers as well. For example a cell phone company may call you saying you qualify for a free phone.You can opt out at the following link:https://www.optoutprescreen.com/opt_form.cgi Link to comment Share on other sites More sharing options...
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