Have you ever opened your mailbox and found it bulging with prescreened offers of credit? These unsolicited mailings take up a lot of room and can be quite irritating. But did you know that they are also a common source of identity theft? It’s true. Identity thieves are watching, and they can exploit your credit offers for their own personal gain. no credit check credit offers
Credit cards aren’t marketed as aggressively as they once were, but prescreened credit offers still abound. You’ve probably received a few yourself. These letters come from card issuers, informing you that you’ve been pre-approved to receive one of their credit cards. Some even contain actual credit cards. All you need to do is call a phone number on the back of the card to set up your account.
Unfortunately, all identity thieves have to do is steal one of these letters. Then they can call the number themselves, pretending to be you. Before you know it, you’ll have items on your credit report that you didn’t put there yourself. That’s how easy it is to lose your good name and your credit score.
What can you do to protect yourself? First, remove yourself from as many prescreened credit offers as possible. They’re unnecessary, since you can find out about new credit cards online, through your own bank, or from card companies you already have accounts with. Go to www.optoutprescreen.com to have your name and address removed from mailing lists for prescreened offers of credit and insurance. You can also opt out of these mailings over the phone at 1-888-5-OPTOUT.
In the meantime, carefully shred or otherwise destroy any such letters you receive in the mail. Casually tossing them in the trash only invites thieves to come and take them. With fully intact letters, thieves can take out lines of credit in your name. And since the letters themselves contain your name and mailing address, many thieves just can’t resist the temptation to steal your identity.
Don’t let credit card offers make you a target. Get off of these unsolicited mailing lists as soon as possible, and shred the letters you’ve already received. When they see how proactive you are in preventing identity theft, thieves will move away from your trash bin and on to easier targets. The best way to protect against identity theft is to take proactive steps to reduce your exposure to possible theft and diligently monitor your credit file. While these steps can be done for free, we recommend some type of identity theft protection which includes theft insurance.