By calling 1-888-5-OPT-OUT (1-888-567-8688). you can opt-out of "prescreening." Be sure to indicate that you wish to opt-out permanently, otherwise, the CRA will start prescreening you again in five years. To opt-out permanently, you will need to complete a form that the CRAs will send after you complete the call. TeleCheck does not provide opt-out verbiage since each merchant practice may be different. You may opt-out of chexsystems as well as Early Warning Services. The letter below can be used for this purpose. [Your address] [Name of company] [Company's address as shown in the privacy notice] RE: Opt-Out Instructions for Account #______________ Dear [name if given in the privacy notice]: Following are my instructions with regard to your information sharing and sales policies: You do not have my permission to share my personally identifiable information with non-affiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act (the Gramm-Leach-Bliley Act) to opt-out of any sharing or sales of my information by your company. You do not have my permission to share information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. [Optional] I do not wish to receive marketing offers from your company or its affiliates. Please delete my name from all marketing lists and databases. [Optional] Your company's privacy notice states you may otherwise use my information as "permitted by law." I wish to limit other uses of my personal information by your company and its affiliates. In particular: You do not have my permission to disclose any information about me, including transaction and experience information, to your affiliates. You do not have my permission to disclose any information about me in connection with joint marketing agreements between your company and another company. Thank you for respecting my privacy and honoring my choices regarding my customer information. Sincerely, [Your signature] [Your name] If you believe that your credit report has been used improperly, or that other violations of the FCRA have occurred, consider contacting an attorney who concentrates on FCRA litigation. You can locate an appropriate attorney by contacting your state bar. Additionally, you should contact your state's Attorney General, and file a complaint with the Federal Trade Commission. FTC Consumer Complaint Form, FTC.
You may opt-out with ChexSystems at 1-877-OPTOUT 5 (1-877-678-6885).
-Keep a copy of the letter for yourself. Mail certified mail and keep receipt.
Date]
Date]