Opting Out

There are different types of information sharing:

1. A business you are associated with
2. A business you are associated with sharing your information with an affiliate or non-affiliate
3. Information on your credit report
4. Financial institutions can share information without your knowledge, permission or the right to opt-out

Exceptions:
1. If you do not exercise your right to opt-out within 30 days of receipt of the “first” email or letter, the opt-out is valid and will not be executed. You can talk to the company and you may be able to opt-out from certain information be shared.
2. If a company’s privacy notice states it will not share your information except as governed by the law, you do not need to opt-out.
3. If a company’s privacy notice indicates it plans to share your information with non-affiliates they must provide instructions on how to opt-out.
4. If a company’s privacy notice indicates they will share your information with an affiliate, you can opt-out from certain information, but, all information as it pertains to the company itself is excluded and will be shared.
5. Credit reporting companies also may sell information about you to lenders and insurers who use the information to decide whether to send you unsolicited offers of credit or insurance. This is known as prescreening. You can opt out of receiving prescreened offers by calling 1-888-567-8688. https://www.optoutprescreen.com/?rf=t

If you decide that you don't want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently.
To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.

To opt out permanently: You may begin the permanent Opt-Out process online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out Election form, which will be provided after you initiate your online request. When you call or visit the website, you'll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential and will be used only to process your request to opt out.

If you don't have access to the Internet, you may send a written request to permanently opt out to each of the major consumer reporting companies. Make sure your request includes your home telephone number, name, Social Security number, and date of birth.

Experian
Opt Out
P.O. Box 919
Allen, TX 75013

TransUnion
Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123

Innovis Consumer Assistance
P.O. Box 495
Pittsburgh, PA 15230-0495