How to Opt Out of Prescreened Offers of Credit

Why You're Receiving These Offers

When you apply for a mortgage or preapproval, you may notice an increase in unsolicited calls, emails, or letters from other lenders. These are known as prescreened or pre-approved offers of credit. They are triggered by a credit inquiry and are based on information in your credit report that suggests you meet certain criteria set by creditors. Important: These offers are not sent by Suncoast Credit Union. Your information is not being sold or shared by us. 

Important: These offers are not sent by Suncoast Credit Union. Your information is not being sold or shared by us. 

How It Works 

Under the Fair Credit Reporting Act (FCRA), credit reporting agencies (Equifax, Experian, TransUnion, and Innovis) are allowed to include your name on lists used by creditors or insurers to make firm offers of credit or insurance. These offers are legal and can sometimes help you compare financial products. 

However, if you prefer not to receive them, you have the right to opt out. 

Your Opt-Out Options

You can choose to stop receiving prescreened offers in the following ways:
 

1. Temporary Opt-Out (5 Years)

• Visit https://www.optoutprescreen.com or call 1-888-567-8688.
• You’ll be asked to provide personal information (name, SSN, date of birth, etc.) to process your request securely. 

2. Permanent Opt-Out

• Visit https://www.optoutprescreen.com to request a Permanent Opt-Out Election Form.
• Complete and mail the form as instructed.

3. Opt Back In

• If you previously opted out and wish to start receiving offers again, use the same website or phone number to opt back in. 

Additional Tips to Reduce Unwanted Offers 

National Do Not Call Registry

• Register your phone number at https://www.donotcall.gov.
• Alternatively, call 1-888-382-1222 from the number you want to register.
• This reduces telemarketing calls within 31 days.
• Note: Even with these steps, some unsolicited offers may still occur due to other marketing practices.

Need More Information?

• Learn more about your rights under the Fair Credit Reporting Act by visiting the Federal Trade Commission (FTC) website: https://www.consumer.ftc.gov.
• For insights into the benefits of receiving firm offers, see the Federal Reserve’s report: Unsolicited Offers of Credit and Insurance (pages 32–40).