Pre-approved credit card offers might be a good sign that your credit is healthy -- and they can even be a source of juicy signup bonuses. But that doesn't mean they're welcome in your mailbox. Nobody loves junk mail.
Even though prescreening doesn't harm your credit scores, you have the right to prevent your credit information from being accessed for prospecting purposes. Whether you don't like the idea of credit card issuers (or others) being able to access your information without prior consent or you simply hate the ecological waste it creates, you can put a stop to it.
You can opt out of receiving future pre-approved offers by visiting OptOutPrescreen.com. Fill out a simple form online and you can opt-out for five years. You can also print and mail in a request if you wish to opt-out permanently. If you ever change your mind, the same website will allow you to opt back in as well.
There's an additional benefit to opting out if you choose to do so: Fewer credit card offers in your mailbox means fewer credit card offers that can be stolen by fraudsters. And while opting out certainly won't prevent you from being a victim of fraud, it will at least reduce your exposure.