Homewise Radio - How to Stop Credit Marketing Spam and Junk Mail - 4.23.2023

Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

0:00 SEG 1 Why do we receive so much junk mail from credit companies? | Unwanted spam phone calls | Trigger leads | Why are unknown agents asking me to sell my house? | Auto dialers | A.I. can create automated voices that replicate real humans including your loved ones | How do these spammers get your credit data | Buying credit reports | A firm offer of credit | Fair Credit Reporting Act (FCRA) | Permissible purpose

18:17 SEG 2 What data can be obtained from a credit report? | If a company buys your data, they are required to make a firm offer to you | What if you are uncomfortable with credit companies having your data? | Do these credit companies have my social security number? | Identity theft

37:07 SEG 3 All the credit bureaus sell your information | How to opt out of credit marketing emails, phone calls, and mail | How does Opt Out Pre Screen work? https://www.optoutprescreen.com/ | How long does OptOutPreScreen work? | How long does it take for OptOutPreScreen.com to kick in? | 1-888-5 Opt Out (1-888-567-8688) is a phone number you can call to opt out of credit marketing | The official government website to stop credit marketing https://consumer.ftc.gov/articles/how-stop-junk-mail
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