At State Street Bank, your privacy is a priority. We want to ensure you understand your rights under the Fair Credit Reporting Act (FCRA), especially when it comes to how your personal credit information is used by others.
What You Need to Know
Under the FCRA, Consumer Credit Reporting Companies (like Equifax, Experian, TransUnion, and Innovis) are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance—even if you didn’t request them.
These “Firm Offers” can come in the form of:
Pre-approved credit card offers
Pre-screened insurance quotes
Other promotional mailings based on your credit profile
Your Right to Opt Out
The FCRA gives you the right to opt out of having your credit file information shared with these companies for unsolicited Firm Offers.
When you opt-out:
Consumer Credit Reporting Companies will no longer include your name on lists for Firm Offers.
You reduce the number of unsolicited credit and insurance offers you receive.
You take another step in protecting your personal and financial information.
How to Opt Out
It’s quick and easy. You can opt out for five years or permanently by visiting www.optoutprescreen.com.
This is the official website authorized by the major consumer credit reporting companies.
How to Opt Out Permanently
If you want to opt out permanently, you must confirm your request in writing by submitting a signed Permanent Opt-Out Election form.
After submitting your electronic request, you’ll receive a confirmation and a Permanent Opt-Out Election Form to print and sign.
Return the signed form by mail to complete your permanent opt-out.
In the meantime, if the Consumer Credit Reporting Companies can locate your credit file using the information you provide, they will initiate a five-year opt-out within five business days. Once they receive your signed form, your request will be made permanent.
This service is designed for consumers and is not intended for businesses or companies.
.png?sfvrsn=6ea1ac4c_3 "Trust 259x259 (1)")
