|Received:||10/9/2004 7:34:24 PM|
|Agency:||Federal Trade Commission|
|Rule:||Prescreen Opt-Out Disclosure|
Comments:My husband and I opened a new business January 5th this year and since then have been flooded with all kinds of credit card offers, not to mention when we had checked our credit report we had noticed several credit card companies we didn't do business with had performed a credit check, there for it lowered our credit scores, because of the number of checks that had been run without our approval. We have even been denied credit we wanted because of the unwanted checks that had been run. I have a pile of card offers right here in front of me all sent during this year 2004, 20 to be exact, 19 are unopened. 10 offers from American Express, 4 offers from advanta Master card, and 1 from city card. I opened one from Capital One (which we recieved 4 more) and could not find any place on it listing a number or address for us to opt out of future offers. Where is it located? I am all for the required opt outs. Please make it readable and noticeable, maybe place it on the outside of the envelope on the reverse side, that way I won't have to even open it to hunt through an offer I am not even interested in. I will be the first in line to call each and every one of them and say Don't Bother Us. Its a waste of time and tree's, at least the post office don't have to worry about using ink to post mark them, cause not one of them has a post mark on them, but they made sure they put expiration dates for the offer inside. I would love to see stricter regulations on these kinds of offers for sure!