Firm Offer Opt-Out

The Fair Credit Reporting Act permits Equifax, Experian, Innovis, and Transunion to include your name on lists sold to creditors and insurers to make firm offers of credit or insurance. The FCRA gives you the right to “Opt-Out”, preventing said Consumer Credit Reporting Companies from selling your credit file for firm offers of credit or insurance not initiated by you. is the only centralized service to accept and process these requests to Opt-Out (or Opt-In) of firm offers of credit or insurance. is the joint venture among Equifax, Experian, Innovis, and Transunion created specifically for FCRA Opt-Out compliance. allows you to Opt-Out from receiving Firm Offers for Five Years, Opt-Out from receiving Firm Offers PERMANENTLY(must mail-in Permanent Opt-Out Election form) or Opt-In. You can also call 888-5-OPT-OUT (888-567-8688) for this service.

To remove your name from the lists sold by said Consumer Credit Reporting Companies for firm offers of credit or insurance, provide your personal information on the Click Here To Opt-Out link and click Permanent Opt-Out. Once you provide your information, your name will be removed from inclusion on firm offer lists provided by all four companies. (Print, sign & mail your PERMANENT Opt-Out Confirmation to make it permanent or it will only be a 5 year Opt-Out.)

If you have previously completed a request to Opt-Out and would like to Opt-In, you may also complete your request on The personal information you provide is confidential and will only be used to process your Firm Offer Opt-Out request. is the only internet website authorized by Equifax, Experian, Innovis, and Transunion for this purpose and is required by the FCRA. For your security, never provide personal information to any other company or person when requesting Opt-In or Opt-Out services. will not contact consumers via email, telemarketing or direct mail solicitations.

Go to or call 888-5-OPT-OUT (888-567-8688) to Opt-Out and for more information.

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