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OPT OUT!

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You can also opt out online by going to http://www.optoutprescreen.com (this link is the one they give out when you call 1-888-5optout)

Call me cynacle, but I did a whois lookup on that domain. I'm a little disturbed that the registrant contact info is listed as private and it's registered to Domains by Proxy. Also, this domain was only created in August of '04. Anyone have any more info?

 

Registrant:

Domains by Proxy, Inc.

 

DomainsByProxy.com

15511 N. Hayden Rd., Ste 160, PMB 353

Scottsdale, Arizona 85260

United States

 

Registered through: GoDaddy.com (http://www.godaddy.com)

Domain Name: OPTOUTPRESCREEN.COM

Created on: 10-Aug-04

Expires on: 11-Jul-07

Last Updated on: 27-Apr-05

 

Administrative Contact:

Private, Registration OPTOUTPRESCREEN.COM@domainsbyproxy.com

Domains by Proxy, Inc.

DomainsByProxy.com

15511 N. Hayden Rd., Ste 160, PMB 353

Scottsdale, Arizona 85260

United States

(480) 624-2599

Technical Contact:

Private, Registration OPTOUTPRESCREEN.COM@domainsbyproxy.com

Domains by Proxy, Inc.

DomainsByProxy.com

15511 N. Hayden Rd., Ste 160, PMB 353

Scottsdale, Arizona 85260

United States

(480) 624-2599

 

Domain servers in listed order:

INS1.WESTINTERACTIVE.COM

INS2.WESTINTERACTIVE.COM

 

 

Registry Status: REGISTRAR-LOCK

 

 

Why has nobody responded to this?!

SOME HAVE NOT RESPONDED BECAUSE WE WOULD PAY MONEY FOR OFFERS...AND WOULD NOT OPT-OUT EVEN FOR MONEY!!!

Edited by GEORGE

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Did anyone notice the email link at the bottom of www.optoutprescreen.com that says:

 

If you feel that you have been a victim of Phishing, please contact securitycontact@optoutprescreen.com

 

What happens when you use this to report a CA?

 

Should we be using this every time we feel we've been phished?

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Verisign info:

 

 

19/8/2005 16:20

www.optoutprescreen.com uses VeriSign services as follows: 

 

 

   

SITE NAME:  www.optoutprescreen.com

 

SSL CERTIFICATE

STATUS: Valid (06-Oct-2004 to 06-Oct-2006)

 

COMPANY/

ORGANIZATION: CONSUMER DATA INDUSTRY ASSOCIATION

Washington

District of Columbia, US 

 

   

 

Encrypted Data Transmission  This Web site can secure your private information using a VeriSign SSL Certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission. 

 

 

 

Identity Verified  CONSUMER DATA INDUSTRY ASSOCIATION has been verified as the owner or operator of the Web site located at www.optoutprescreen.com. Official records confirm CONSUMER DATA INDUSTRY ASSOCIATION as a valid business. 

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I'm a Newbie, which I'm sure you'll be able to tell from my questions.  I've read the Newbie boards and many other posts and I think I understand the 'Opt Out' option, but just want to be sure.

 

I moved, and happily the collection letters/calls haven't found me in over a year.  If I opt out with my new address, can anyone obtain that new address from the CRA's?  Most everything I've read says the CRA's can't sell my address for promotional reasons, but can a collector check the personal info. on my credit report, and would that be updated when I provide the new address to Opt Out?  Sorry for the long question -- I've gotten used to the wonderful quiet of not having the phone ring, but would like to Opt Out and continue w/ the rest of the steps you recommend.  Right now I'm even afraid to order my CR online for fear that the updated address on the credit card I use will be noted by the CRAs and trigger new calls/letters.  Yeah, I'm a little paranoid and made some mistakes in the past -- I'd just like to try to clean up some of them and move on without waking the sleeping dogs.

 

There are several issues here.

 

1. Under the FCRA a owner of debt that you owe like a Collection Agency (CA) can pull your credit report and thereby get whatever address is on there. If you call Trans Union, TU will capture your phone number using Automatic Number Identification (ANI) and they will automatically update that number on your TU credit report. The best way around that issue is to use DialPad ( http://www.dialpad.com ) or a cell phone and keep changing your cell number. I would think that you would want whatever your mailing address is to be correctly listed on your three credit report so you can conduct disputes with the CRA's. You can get a PO box with UPS (used to be Mail Box Etc.) to use for bills and such to keep people from knowing your physical home address.

 

2. Opting out should prevent the CRA's from selling your home address and another info. In my experience they seem to follow the letter of the law. That's not to say, however, that an ex boyfriend or Private Investigator might brake the law and pull your report. A CA that has a debt to collect would have a legitimate right to pull your credit report and get your physical address and then they would know where to serve papers if they want to sue you.

 

3. When you move, if you file a change of address form with the post office, that new address is sold to a bunch of people who are all to happy to post it on the Internet where anyone on the planet can see it for free.

 

4. Opting out is a good thing to de in general IMHO. I called and opted out at my old addresses going back seven years or so in case any pre approved credit aps. get mailed out.

 

5. The telephone companies link all land line phone number to the physical addresses they are at and update their record every 24 hours. So of you call any toll free number from your land line phone and conduct business as you, the party you called knows your physical home address. So if you call your bank, or your credit card companies, or the satellite TV people and use the automated system on a regular basis they know where you live.

 

If you do not Graham Leach Bailey (GBL) (Federal Financial Services Modernization Act 2001) opt out with all the companies that you do business with they have the legal right to sell your info. to anybody they want. This Graham Leach Bailey (GBL) opt out has absolutely nothing to de with opting out from the CRA's but I mention it here for your information. If you do opt out then the companies that you do business with can only sell your info. to companies that are related to them. It's beyond the scope of this thread to go further into how to opt out under GBL but it's a lot harder than the CRA opt out!

 

GBL links:

http://www.ftc.gov/privacy/glbact

 

http://www4.law.cornell.edu/uscode/html/us...10_94_20_I.html

 

ANI vs. Caller ID:

http://artofhacking.com/files/callerid/ANIART.TXT

 

A few public address and such databases:

 

http://www.zabasearch.com

 

http://find.intelius.com

 

http://www.privateeye.com

 

http://www.google.com/advanced_search?hl=en

 

http://www.peoplefinders.com

 

http://www.switchboard.com

 

http://www.whitepages.com

 

http://www.infobel.com/usa/default.asp?qSearchType=USARAWP

 

http://reunite.myfamily.com

 

http://www.whowhere.lycos.com

 

http://www.people.yahoo.com

 

http://www.switchboard.com/bin/cgirlookup.dll

 

http://www.searchbug.com/peoplefinder/landorcell.aspx

 

http://www.skipease.com/nearby.html

 

http://www.anybirthday.com

 

http://www22.verizon.com/utilities/reverselookup/?loc=HP

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from page "2" of this discussion:

Riskyfool Apr 7 2005, 12:26 PM

My research leads me to believe that opting out does not effect collection agency access to your credit reports in any way.

Based on this .pdf file that I found (a link to it is in the quote below), that appears to be the case. Besides that, the pdf file explains the many other methods that a collection agency employs to find a person.

 

"Debt collection/skip trace articles"

http://w ww.artofcredit.com/board/showthread.php?t=24351

 

"A debt collection lawyer in TX has a couple of articles on debt collection in TX and skip tracing in general.

http://www.taylorpc.net/articles.htm"

 

"Investigation of the debtor: Locating the debtor and debtor assets

Stromar Creditors' Rights Seminar, Houston, TX, March 29, 2000"

Edited by persevering

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Two quick questions.

If a person opts out for five years and then later on within that five year period changes his/her mind and decide to opt out permanently, will that 1-888-5OPTOUT system allow for a person to call later on to do that ?

 

Using that 1-888-5OPTOUT phone number, if a person opts for five years and then a few months later changes his/her mind and decides to opt back in, will that 1-888-5OPTOUT system allow for a person to call later on to do that ?

Edited by persevering

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Call me cynacle, but I did a whois lookup on that domain. I'm a little disturbed that the registrant contact info is listed as private and it's registered to Domains by Proxy. Also, this domain was only created in August of '04. Anyone have any more info? .................

 

As others have said the site has been used my many and worked so no need to worry. The reason the information is listed as private by using the Domains by Proxy option through Godaddy is probably due to spammers who harvest information from whois. If spam is a big problem like I'm sure it would be for a site such as that it is probably a wise investment, though .us domains don't allow that. I have a few domains and thought about the service, but the one that generates the most spam seems to be the .us domain I have so it wouldn't do much good and the volume isn't that high to really be worth it for me. I'm divided on the issue myself, I sometimes like to know who a domain is registered to, but then again spam is completely out of hand these days so you have to try and stay one step ahead of the spammers.

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Two quick questions.

If a person opts out for five years and then later on within that five year period changes his/her mind and decide to opt out permanently, will that 1-888-5OPTOUT system allow for a person to call later on to do that ?

 

Using that 1-888-5OPTOUT phone number, if a person opts for five years and then a few months later changes his/her mind and decides to opt back in, will that 1-888-5OPTOUT system allow for a person to call later on to do that ?

1. I'm not sure as I haven't done it yet, but if they don't I suppose you could opt in and then opt out permanently.

2. As I said I haven't done it yet, but the website states:

"Through this website, you may request to:

* Opt-Out from receiving firm offers for 5 years

* Opt-Out from receiving firm offers permanently

* Opt-In and begin receiving firm offers. This option is for consumers who have previously completed a request to Opt-Out."

I don't see why the phone wouldn't offer the same options and if it doesn't you could always opt back in on the website.

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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.com/forums/index.php?showtopic=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

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Here is something interesting:

https://www.optoutprescreen.com/faq.htm#4

Question:

"I am concerned that you do not have my correct address for my phone number. I called your Opt-Out telephone number and, after entering my home telephone number, the system provided me with an address that is not mine. Is this the address that is on my credit report?"

 

Answer:

"No, the Opt-Out telephone application has a feature where we can match your telephone number to an address database.  The vendor who supplies this database obtains their information from a variety of proprietary sources and there is not a record of who provides each address in the database.

The address database that is part of the Opt-Out telephone application is not obtained from the Consumer Credit Reporting Companies, Equifax, Experian, Innovis and TransUnion.  An address that is associated with your telephone number in this database has no relationship with the address on record with the consumer credit reporting companies.   Opt-Out does not have access to the consumer credit reporting company’s records."

Edited by persevering

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Here is some other information about which I thought it was worth being aware:

https://www.optoutprescreen.com/faq.htm#16

Question:

"What security procedures do you use for this website to protect the confidentiality of my social security number ?"

 

Answer:

"Your Social Security Number is not required to process an Opt-Out request through OptOutPrescreen.com. However, we strongly urge you to provide this information because it helps to ensure that we can successfully process your request. This website’s security protocols and measures are designed to protect the personally identifiable information you provide from unauthorized access or alteration. As an added security measure, we only display the last four digits of your Social Security number on the confirmation screen."

Edited by persevering

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I thought this discussion (from the Medical board) was pertinent, so I've taken the liberty of adding it to the Opt Out thread.

 

Make SURE you have opted out before doing ANYTHING, otherwise all the garbage CA's in the World will start poisoning your reports.

 

WhyChat, I've read this several times but haven't been able to find any explanation of it. What does opting out have to do with CAs with reference to medical collections?

 

I'm about to tackle a $75 item that is past SOL but I want to make sure I do everything right. I did opt out but don't understand how it would benefit me with a medical.

 

The CRA's make a LOT of their $$ by selling data.

If you opt out, this prevents them from selling YOUR data.

 

The "opt out" instructions usually say it is to stop "offers from credit card providers", however what they DON'T tell you is that the same information about your paying off a bill, or getting a new address or phone # or applying for a loan is ALSO sold to data mining companies, these companies then sell your data to CA's who MAY have an "old" account of yours, or have someone with a similar name, or someone who lived at your address, they then start NEW collection activities, and poison your reports ( usually when you are mortgage shopping) so that you are forced to pay them in order to close on your mortgage.

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can someone please help me start the credit repair process - i am in desperate need!!!!!!!!!!! i am new to this website - so hello to everyone. any forms or attachment - please email them to xxxxxxxxx@xxxxxx.com

 

 

 

edited to remove email address

Edited by pryan67

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the best place to get started is this board...especially the newbie section

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No one should forget to opt out of the worlds largest consumer information database. ACXIOM....HURRY

 

http://www.acxiom.com/

WHAT DO THEY DO???

 

They sell your Name, Address, and Phone number to anyone who will buy it!

 

Acxiom Named to the Top 30 Financial Technology Providers

November 11, 2005 LITTLE ROCK, Ark. – Acxiom® Corporation (Nasdaq: ACXM), which provides data services to the largest, most respected financial institutions in the world, has been named to the top 30 providers of financial technology applications in the “FinTech 100,” a listing of the top technology providers as complied by American Banker and the research firm Financial Insights...

 

How can you opt-out of this one?

Edited by quest42

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I know that Acxiom sells personal data: Name, Address, Phone, etc...

and they have one of the biggest databases...

 

http://www.acxiom.com

 

Home » | About Acxiom » | Privacy » | Online Privacy Policy »

 

Choices on Personal Information

 

In order to review your information, make factual corrections to the data Acxiom maintains, and exercise opt out of our marketing communications, please contact your Acxiom customer representative. If you need help finding your Acxiom customer representative, please call (501) 342-1000 or e-mail us at info@acxiom.com.

 

...

 

If you have any questions about how to exercise your choices pertaining to the use of personal information, contact us at 1-888-244-8554 or e-mail us at interactivedelivery@acxiom.com.

 

Anybody try opting-out of this one?

Edited by quest42

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I have already opt-ed out

 

 

To Opt-Out of our marketing and directory products, contact us at optoutUS@acxiom.com or call 1-877-774-2094.

 

To obtain a copy for a fee of $5 or correct, where appropriate, information found in our directory and identity verification products contact us at referencereport@acxiom.com or call 1-877-774-2094.

 

To obtain a free copy or inquire about any inaccuracies in any background screening report we may have about you, call 1-800-853-3228, option 3.

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Should I opt out even if I have a good credit score (699) and no baddies? I wanted to opt-out at one point so I don't get all the letters but someone said that might be a bad idea.

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Should I opt out even if I have a good credit score (699) and no baddies?  I wanted to opt-out at one point so I don't get all the letters but someone said that might be a bad idea.

NO MORTGAGE IN THE NEXT 6--12 MONTHS???

 

DON'T

 

NO "BADDIES"

 

DON'T

 

MAILAPHOBIA

 

IF YOU MUST OPT-OUT GO RIGHT AHEAD

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