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Well, here's the good news: The "pre-approval" process doesn't actually involve checking your credit report. "You are not 'pre-approved,' you are conditionally approved," explains John Ulzheimer ...
But physical junk mail is a bit tougher to disregard -- especially when it's a big, bulky envelope from a bank with a pre-approved credit card Pre-Approved Credit Card Offers: 4 Things You Really ...
You might discover your credit score doesn’t fall in the range most credit card issuers want to see (cards for excellent credit, they want to see 720 or above; some issuers make offers to ...
Beginning on August 1, 2005, the Fair and Accurate Credit Transactions Act of 2003 took effect, which amended the FCRA to require consumer reporting agencies to include in their credit offers a statement allowing customers to stop unsolicited offers either by phone and mail(1-888-5OPTOUT or 1-888-567-8688) or via https://www.optoutprescreen.com ...
Fine print is controversial because of its deceptive nature. Its purpose is to make the consumer believe that the offer is really great. Though the real truth about the offer is technically available to the consumer in the smaller print of the advertisement—thus virtually ensuring plausible deniability from claims of fraud—it is often designed to be overlooked.
Fair and Accurate Credit Transactions Act; Other short titles: Financial Literacy and Education Improvement Act: Long title: An Act to amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.
1. Know your credit score and what it means. Your credit score is a three-digit number representing your credit health that issuers use to determine your creditworthiness or how likely you are to ...
During the first quarter of 2010, U.S consumers received 481 million direct mail prescreen credit offers which represents a 29 percent increase on the 372.4 million mailed in the first quarter of 2009. [2] However, as the volume of direct mail prescreen offers increases, the acceptance rate of those offers tends to decrease.