Thank you for your reply and your help. After the replies that I had received for a prior topic that I had started ( http://creditboards....howtopic=129892
) about pre-approved offers and old addresses, between the date of my post and the date of your post I had decided to opt out for the time being at least until I have had the time and opportunity to have the cras delete my old addresses.
In comparing my experience with this opt-out automated phone system to the automated phone systems that the individual cras use (for ordering credit reports), I found using this opt-out phone number to be a frustrating experience. The system uses a voice-activated response system, and without exception I have found those to be very inaccurate at understanding voice responses and also much more time-consuming than the automated system where you press a particular number-button for the option you want. Twice I had to repeat my last name to the computer (despite the fact that I spoke s-l-o-w-l-y and enunciated as well as I could), and both times the computer was WAY
off on what it told me that it thought I had said. I don't think I have any accent of any kind, and if the computer can't understand me
, then I would think the computer is going to fail miserably at correctly understanding a person speaking his/her name if that person has any accent or speech impediment of any kind.
After failing both times, the computer then wanted me to repeat my full name after hearing a beep. This next step was explained, I thought, very poorly. Apparently this time what was taking place was that after the beep I was being recorded while I was saying my name for the third time (and then I assume that later on a human will listen to that recording and figure out what name that the caller was saying). If I had understood what this third step involved, I would have tried to be as clear as possible in my answer by saying something, for example, like, "my name is Joe Public. That's "J" like in "John", "o" like in .....". The other thing that occurred during this third step (and which was not
explained by the computer) is that you are only going to have a certain short amount of time within which to speak your full name, and then the computer will abruptly cut in and end the recording.
My final complaint about using this automated phone number is that the computer does not at any point during the phone call ask for you to speak what your middle initial is. On all my credit reports from the four bureaus, my name appears with my middle initial (although, not surprisingly, Experian also is reporting several other variations of my full name). I hope that this phone call of giving to the computer my name without being asked for my middle initial is not
going to introduce another name variation on my credit reports.My
advice would be to use the internet site http://www.optoutprescreen.com
(instead of the 1-888-5OPTOUT phone number) to opt out in order to ensure that all of your information (especially your name
) is correctly and accurately received by the opt-out system.
(On a final note, fortunately I had found out that pre-approved offers might be sent to old addresses. I naively thought that credit card companies would use the address listed on the credit reports as the "current address". I found out today that this week three
offers from Chase were sent to an address that I have not used for nearly a year.)
Edited by persevering, 21 October 2005 - 07:12 PM.