Under the Fair Credit Reporting Act (FCRA), consumer credit reporting companies can include your name on lists for firm offers of credit or insurance unless you choose to "Opt-Out." You can opt-out of receiving these offers for five years online or permanently by mailing a form. If you've previously opted out, you can "Opt-In" to resume receiving these offers, which provide access to exclusive credit and insurance product information. Opting out ensures your credit file is excluded from firm offer lists if your credit file can be located. Opt-in is available to re-enable access to these opportunities.
