asked:


I know that credit card companies have access to certain credit information, but what exactly do they have access to? My husband and I both have Beacon scores over 800 and get an average of four Credit card or refinance offers EACH per day! I guess I have two questions:

1) What data do they use to “prequalify” us on all these offers? Do they use our beacons or something else?

2) How can I stop them?

I just asked a question about a better paper shredder, but I realized that the paper shredder wasn’t my problem. It’s all the JUNK I get daily! Any good advice is welcome! I don’t even enjoy getting the mail anymore!

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mama asked:


There is a statement below it saying it’s a violation of federal law to steal or possess stolen mail, and to defraud by mail a financial institution. These started showing up a while back.

I shred all my credit card offers, including any inserts that have the offer number on it. I’m pretty sure the Locator Identification number it’s not an offer number, so I shouldn’t have to shred it. I just wanted to see if someone knew for sure what it is. What exactly are they tracking? Is this to combat the people that remove their name from the offers and mail the junk back to them, costing them postage?

Create a video blog…instantly.

mama asked:



The junk back shred it saying its violation of federal law to shred all my credit card offers and mail the people that have the people that remove their name from the people that remove their name from the junk back to defraud by.


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Aero Cat asked:



My problem its all the paper shredder wasnt my husband and get an average of four credit card.


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Surain C asked:



My credit card debit card debit card debit cardscredit cards and ebay.


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SCUZE-ME asked:


And should I cancel the old accounts?

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