However, this is generally not the case.  If a consumer has used a third-party credit repair service their information may have been passed on or sold to a credit card company.  Apart from gaining such important information as a consumers home address, name, and employment history, they now can access a consumers entire credit history and can target them in order to trap them in more debt.

One look at the fine print on such offers that a consumer receives should immediately throw up red flags.   These pre-approved credit accounts usually come with higher than normal interest rates which they may at first claim to not have.  They may come with high annual rates, processing fees, and account maintenance fees.

A good majority of consumers will either overlook or ignore the negatives due to the fact that they are already in a financial crunch.  Therefore, they will look up to the word ‘approved’ and will simply accept the offer in order to escape the current debt they find themselves in; only to end up in deeper debt later down the road.

The question is: How do I stop credit companies from sharing my information and avoid pre-approved credit profiling? The answer to this question will keep the temptation of these types of offers from consuming you.

First, look at the bottom of these offers you have received in the mail. There should be a toll free number listed somewhere on the mailing.  Call this number and inform the company that you wish to opt-out from future mailings and that you don’t want your personal information sold to third-parties.

If you make such a call document that you have done so.   Companies are required to honor your wishes when it comes to your personal information.  If you find that you are still receiving offers from them you can simply report them to the Better Business Bureau

This simple phone call will remove your name from their shipping list and will keep you free from receiving many of these profiled credit offers.

When filling out any type of form whether it be online or from something you have received in the mail, please check their privacy policy to see if they submit or sell your information to other organizations.  If they do so, they should have an option to opt-out of such items.   If they don’t you should do a little more research or contact the company directly to see how private your personal information really will be once it gets into their hands.