Stopping Credit Card Offers

If you are like me...everyday you get new credit card offers.

Capital One, Chase, AAdvantage Mastercard and American Express send me more mail than friends or family.

I used to simply throw them away. Then I read that credit card offers are prime targets for identity theft...so I bought a paper shredder and began shredding every offer I received. Not only is this a pain, it also wastes a lot of paper.

Tonight I tried something new. It's a website called www.OptOutPrescreen.com The website lets you opt out of receiving pre-approved credit card offers.

This is how it works. There are three main credit bureaus--Experian, TransUnion, Equifax. These are the companies that determine your credit score. They are also the companies that credit card companies like Capital One and Chase will contact to find out who is "creditworthy."

When you go to www.OptOutPrescreen.com you can instantly chose to opt out for 5 years. OptOutPrescreen.com notifies the credit bureaus that you no longer want your information shared with credit card companies.

I just did it tonight...so I can't speak from experience but am hopeful that it works. Be warned however that you will have to enter your data including SS# and DOB when opting out.

If you are tired of the on-slaught of credit card offers you may want to check out the site.

Good luck!

Jason C. Steinle
www.uploadexperience.com

Skipping the Phone Maze

I came across this great site called Get Human. The url is www.gethuman.com Once you are at the site click on the "database" tab which will take you to a listing of over 500 companies.

Next to each company is their 800-Number and a section titled "get human customer." This is the real gem.

The site lists the specific steps you can take to get to a live human representative on the phone. No more shuffling through a maze of phone choices until you reach a representative. Now you can quickly get a human on the phone with you.

For example instead of listening through five phone options...making a choice only to listen to another set of options and then another. The site will tell you "Press 3; wait for prompt; press 1; then hold through prompts for representative."

Check it out. It's a great resource that may save you a lot of time.

Jason C. Steinle
www.uploadexperience.com