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What actions Opts you back IN?????

The last post in this topic was posted 831 days ago. 

 

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Hello,

 

I read on here somewhere that opening up backdoor to any of the CRA's opts you back in.  I don't remember where I read it(to give credit) but it is stuck in my brain.

 

So, the question; what actions causes one to be Opted back in automatically?

 

I currently look at the following (probably need to read the fine print for opt-in-out language):

 

1. Discover Scorecard---this gives me my Fico 8 EX score

1a. I am waiting on my actual Discover Secured CC(should have within 1 week) so this will give me my Fico 8 TU score

2. CapOne-CreditWise

3. Experian---free report every 30 days

4. Credit Karma---this helps me also keep an eye on EQ (understand it is Vantage 3.0-taken with grain of salt) since I don't have a card yet that provide me with EQ Fico 8 score

 

-So confirmation that going backdoor to the CRA's opts you back in?

-Soft pulls for CC's opt you back in?   (I know counterproductive of Opt-out)

-Hard pull for credit?

-Any other ways you discovered/know that opts you back IN (besides purposely doing so)?

 

Thanks!!!

 

 

 

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I've never heard of anything 'automatically' opting you back in, other than calling or going to the opt-in/opt-out website. IIRC, you can choose to opt-out permanently or a 5-year duration, at which time you will be opted back in. Opting  out only prevents 'offers'. It's not the same as a freeze, etc.

 

Edited by Kat58

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not all opt out requests are permanent.

 

why on earth would a person want to opt out anyway? mailphobia?

Edited by hegemony

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I travel full time and hate paper mail with a passion, because I have to pay to have it forwarded.  I don't see enough benefit for me to ever opt back in.

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9 hours ago, hegemony said:

not all opt out requests are permanent.

 

why on earth would a person want to opt out anyway? mailphobia?

About once a month someone at bogleheards will start a thread in the Personal Consumer Issues forum about how to reduce junk mail, as if stopping at the trash can on the way from the mailbox is some enormous burden.  

 

Also, don't forget that junk mail is printed on paper, which comes from trees, which are apparently irreplaceable.  

 

The thread will go on for pages until it fizzles out.

 

And then a month later there's another thread, and the cycle repeats.

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