The National Do Not Call Registry

You’ve probably been on the other end of all those solicitations ending up in your email, mailbox and phone calls. Those offers can really pile up and are extremely annoying to many people. There is a way to reduce your bulk mail advertisements. There are three lists to opt out from. There is opting out from telephone, email and mail. The Directory below supplies you with the information to “Opt Out”

DMA – DIRECT MARKETING ASSOCIATION

Opting out by phone
Telephone Services
PO Box 9014
Farmingdale, NY 11735
Opt out by phone: 212-768-7277

Opting out by mail
Mail Service
PO Box 9008
Farmingdale, NY 11735-9014

Opt out by email
www.e-mps.org

THE CREDIT BUREAUS
There are three national credit bureaus. Experian, Equifax and Trans Union. These credit bureaus share your personal information with Telemarketers, insurance companies and financial services companies. You can opt out with these companies as well simply by calling the designated phone number.

Opt out from the credit bureaus
1-888-567-8688

OPTING OUT FROM OTHER DIRECTORIES
There are several other directories that carry information about you especially if you are listed in any phone book, voter’s registration or if you’re a homeowner.

Haines Criss Cross
1-800-562-8262

Sample Opt out Letter
To opt out by mail use this simple letter.

To: List Service

Date: today’s date

To whom it may concern,

I am aware that I am listed in your directory. At my request, please remove my name from these lists effective immediately. Below is the information you need to complete my request.

Your full name:
Your current address:
Previous mailing address:
Your signature:

Remove your name from pre-screened credit offers.

If you would like to reduce the number of pre-screened credit and insurance offers you are receiving, visit www.optoutprescreen.com or call 1-888-5OptOut (1-888-567-8688) to opt-out of these offers. This is a free service to consumers offered by the major credit bureaus.

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It is often tempting to get a loan from a non-traditional lender such as a bank or a reputable finance company when you are having trouble paying off your debts. Usually these lenders will use your house, car or other assets as collateral.

They will ‘sell’ their service to you as a solution to help get out of debt whereas the reality of the situation when dealing with such lending institutions is the fact that you are more likely to get into even more financial strife and lose the assets that have been put up as collateral for the loan.

If you look closely at the terms of the contract with such loans you will find that you will be paying excessive interest payments and that is precisely what you should be trying to avoid as the big interest loans are what gets most people in trouble in the first place.

A lot of these finance companies work on the basis that they know you will eventually fall behind in your payments and they structure their business where they will repossess your assets to cover the past due monies.

High risk loans should never be an option worth considering simply because there is no benefit to be gained at all from getting such a loan and they only appeal to those people who are in desperate situations who can never make good the payments anyway.

More often than not the interest that you will be paying over the term of a high risk loan is almost as much as the original amount borrowed. Even if the loan is only for a short term you will be paying excessive interest rates and there is always a better alternative even if you need to come to an arrangement with other people you have borrowed money from to pay off outstanding debt over an extended period.

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