It was both amazing and scary when I had the opportunity to look myself up, and it woke me up on wanting to protect my information as much as humanly possible. Though it's very hard to eliminate the problem completely, these are things I've found helpful:
1) Contact the three major credit bureau reporting companies (Equifax, Experian, and TransUnion) and asked to be taken off the "Pre-Appoved" offers list.
It takes a few weeks to take effect, but now I barely get junk mail. Sometimes doing this with just one of them will get the other two notified automatically, but check and make sure.
It takes a few weeks to take effect, but now I barely get junk mail. Sometimes doing this with just one of them will get the other two notified automatically, but check and make sure.
You can check it every once in awhile since some retail stores offer specials through e-mails, but it won't be a hassle when it comes to separating these messages from others that are more important.
Sometimes it's just someone mass mailing to see if any valid addresses pop up. Then those get sold.
I cringe when people fill out a form literally just because it's there and they think they might win something. If something sounds too odd or unrealistic, don't put your private information on it. At best, it's just a marketing ploy and at worst it could be used against you financially.
I use a very professional voice and ask for the rep's name, their manager's name, full name of the company, etc. Act like you're writing it down and ask how last names are spelled. Even if you're not on the Do Not Call list, this usually will get them to back off on trying to sell you something.
More Tips:
- If all of these steps seem like a bit of a hassle, keep in mind how much time you'll save long-term from having to clear out your e-mail inbox and filter through your mail. It does add up.
- Cussing out and hanging up on the person who's calling you is not very effective because they really don't have any power. You don't even have to pay attention to what they're saying, but hang on long enough to get a manager to take you off the call list.
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