- May 14, 2011 at 11:11 am #212443
Yesterday on the Today show, Jean Chatzky was on talking about how identity thieves have been dumpster diving to get the pre-approved credit card offers that companies mail out to people, unsolicited.
People usually just rip them up and toss them out. A reporter ran a test where they ripped up the applications, then taped them back together and mailed them to the credit card companies. Amazingly, many companies (including BofA) actually issued the credit cards, and some even accepted “change of address” information on these messy ripped-and-re-pasted things!
This is what Jean recommended:
1. SHRED: Don’t just rip up the applications. Shred them.
2. OPT OUT: You can call 1-888-5-OPT-OUT and register your information. Then, by law the companies have to stop sending you the pre-approved credit apps.
- June 5, 2011 at 6:49 pm #286261
Blocking Junk Mail:
1. Register with the Direct Marketing Association’s Mail Preference Service. You can get off many national mailing lists this way. Your name will remain on this “delete file” for five years. Send your name and address to: DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512.
2. Tell the credit reporting agencies that you don’t want to receive pre-approved offers of credit. Those credit card offers that come in the mail are from companies who get your name and address from one of the credit reporting agencies. You can tell all three of the major credit reporting agencies Equifax, Experian and TransUnion to remove your name from their mailing list by calling one toll-free number, 1-888-5-OPT-OUT. Your request will be honored for two years.
3. Tell magazines and charities that you don’t want them to share your name and address with other businesses or charities. Contact magazines to which you subscribe and charities to which you donate. Request the same from mail order companies you order from and cancel catalogs you don’t use.
4. Read the privacy policies of your credit cards and banks. The policies must give you an “opt-out” option, by which you can tell the bank not to share your personal information with other companies. The bank may still be allowed to share your information with “affiliate” companies it has a relationship with.
5. Ask your local phone company to not publish your address. Mailing list companies compile names and addresses from residential phone book listings. Consider having an unlisted number, or ask your local phone company to publish just your name and telephone number, without an address. Ask the phone company to remove your listing from its street address directory.
6. Think twice before entering sweepstakes and drawings. The main purpose of many contests is to compile mailing lists. If you enter one contest, you are likely to receive mailings from other contests. Avoid entering sweepstakes unless you can “opt-out” of being put on a mailing list (read the contest rules).
7. Don’t fill out warranty or product registration cards. Most cards are used to compile information on consumers that is sold to companies for marketing purposes. Most times your receipt will ensure that you are covered by the product warranty if the item turns out to be defective. If you decide to send in the card, don’t fill out the “lifestyle” information, such as your income or hobbies.
8. Send it back. Junk mail that arrives in envelopes stamped “Address Correction Requested” or “Return Postage Guaranteed” can be returned unopened by writing “Refused-Return to Sender” on the envelope. This may encourage the company that mailed it to you to remove you from its mailing list.
Turning off telemarketers:
1. Keep your phone number to yourself. Don’t put your phone numbers on forms, or give it to businesses, unless absolutely necessary. Whenever you give a business your number, ask that they not share it with other companies. Don’t print your phone number on your checks.
2. Register with the National Do Not Call Registry. The Federal Government created this national registry. Call toll-free 1-888-382-1222 (TTY 1-866-290-4236) from the number you wish to register. You can also register online at http://www.donotcall.gov if you have an active e-mail address. Registration is free. Your number will stay in the registry for five years, until it is disconnected, or until you delete it from the registry. After five years, you may renew your registration. You can expect fewer calls within three months of the date you sign up for the registry.
Placing your number on the National Do Not Call Registry will stop most telemarketing calls, but not all. You may still receive calls from political organizations, charities, telephone surveyors, and companies with which you have an existing business relationship. A company with which you have an established business relationship may call you for up to 18 months after your last purchase or delivery from it, or your last payment to it, unless you ask the company not to call again. Also, if you make an inquiry to a company or submit an application to it, for three months afterwards the company can call you. If you make a specific request to that company not to call you, however, then the company may not call you.
3. Ask to be put on individual companies’ “do not call” lists. When you get a telemarketing call, if you just hang up or say “I’m not interested,” the company may call back at another time. Instead, every time you get a telemarketing call, say “Put me on your do not call list.” The Federal Telephone Consumer Protection Act of 1991 requires companies to keep this list. Your request must be honored for 10 years. Exception: nonprofit organizations do not have to comply with this law.
4. Get an unlisted number. Getting an unlisted number can cut down on telemarketing calls. It will not prevent calls from companies that dial numbers in sequential order by computer.
5. Be aware that phone technology allows companies to see and “capture” the numbers of callers. Some companies add the numbers to a marketing list. At no cost, you can block your number from being displayed by dialing *67 and waiting for a dial tone before making a call. However, this “per call blocking” does not work when calling 800 or 900 numbers. Your only alternative is to use a pay phone when dialing those numbers.
6. Screen calls and hang up on auto-dialers. If all else fails, you can avoid having to talk with telemarketers by using an answering machine to “screen” your calls before you decide to pick up. Many telemarketers hang up if they reach a machine. Also, learn to recognize the sounds of an auto-dialer: you answer your phone and there is a pause. If you don’t want to be connected to a sales representative, just hang up. Different people find different ways of dealing with telemarketers. For example, you may be content to avoid sales discussions by hanging up on auto-dialers. Another person may be so annoyed that he will stay on the line in order to tell the caller he wants to be put on the company’s “do not call” list.
- September 19, 2011 at 3:22 am #290862
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