Credit card issuers, auto finance companies, and other lenders or insurers can ask credit reporting agencies for a list of names and addresses of individuals who meet certain criteria (such as a minimum credit score). The credit reporting agency produces these lists by reviewing its credit files.

If you do not want card issuers or other lenders and insurance companies to get your information in this way, you can opt out for five years by calling 1-888-5-OPTOUT (1-888-567-8688) or by visiting www.optoutprescreen.com . To opt out permanently, you must download and mail a signed Permanent Opt-Out Election form, available by calling 1-888-5-OPTOUT (1-888-567-8688) or by visiting www.optoutprescreen.com .

If you opt out, your name will no longer appear on lists provided by credit reporting agencies. However, card issuers can still solicit you if they have done business with you before or they get your name from other sources and send you invitations to apply for a card.