Can consumers opt-out of pre-screened credit offers?

Consumers can indeed opt-out of pre-screened credit offers by contacting credit reporting agencies directly. This process allows consumers to remove themselves from lists that credit bureaus sell to lenders and insurers for promotional purposes. The Fair Credit Reporting Act (FCRA) provides consumers with the right to limit the number of unsolicited offers of credit and insurance they receive, empowering them to take control over their personal information.

When consumers choose to opt-out, they can either do so for a specific period or permanently. Permanent opt-outs require contacting the credit reporting agencies and completing the necessary steps, which often include providing personal information to verify their identity.

Other options available in the question may contain inaccuracies regarding the procedure or the roles of different entities involved in the process.