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Cut the credit card junk mail

By Lauren Johnston | amNY.com

June 19, 2007

Every day the mailbox is crammed with tempting offers 0% APRs, no-fee balance transfers, credit card options galore.

If you want to cut the junk mail and stave off potential debt traps, there's a Web site designed just for you and the offers will stop for five years with just one click.

The answer is: www.optoutprescreen.com.

The Fair Credit Reporting Act allows the major credit unions to share your contact information with creditors and the result is a slew of mail offers but the FRCA also gives you the right to withdraw your name.

You can choose to take your name off the list for give years, or permanently. And if you change your mind later, you can go back and "Opt-In." Simple as that.