3 Questions Related To Pre-Approved Credit Card Applications, Unsolicited Faxes and Unsolicited Calls

Often in today's high tech world, access to personal information is becoming ever easier for solicitors to retrieve. Telephone and cell calls, faxes, and applications coming through the mail are not only unwanted, but appear to be an annoyance that lacks limitations. So, what's a person to do?

To put a stop to so-called preapproved credit card applications that you know you can't possibly qualify for, there is a way to opt out by calling (888)567-8688. After all, each time you send for one and are denied, it is filed as a mark against your credit history. Although some personal information is required through this agency so that the request can be input at the various credit reporting bureaus, it is possible to stop unsolicited applications with a simple call. This is because the Fair and Accurate Credit Transactions Act of 2003 requires that how to refuse an offer be clearly and simply explained then adhered to.

It's important to remember that this level of access to personal information makes one vulnerable to identity theft so stopping unsolicited applications when they first start is important. There's also no need to worry about a negative impact on credit ratings or the ability to apply for a credit card on your own at a later date because you opted out. Fortunately, federal law protects individuals who have opted out and you can always opt back in by calling the same number.

When it comes to receipt of unsolicited faxes the Telephone Consumer Protection Act of 1991 allows the FCC to fine companies that violate this law. Many business owners are unaware that direct permission is required in order to send advertisements by fax. The only exception to this ruling is if a business relation already exists between you and the company generating the fax ads. However, for those that are unsolicited, filing a complaint with the FCC online at www.fcc.gov or by calling their Consumer Center at (888)225-5322 these types of unsolicited mail will stop within a short time.

Don't think that just because you use a cell phone instead of a land line that you're save from telemarketers. Although the use of autodialers to contact cell phones is illegal, calls from telemarketers to individual cell phones is violated on a daily basis with just this system. Making sure you're on the "do not call" national registry is the first step. If calls continue, however, complaints can be filed with www.donotcall.gov.

The Federal Trade Commission actually enforces the rules and frequently ends up in court after which the companies violating the law will be identified to the public. Consequences could include $11,000 per violation in fines to the telemarketing company. Therefore, if this happens to you the best thing you can do is file a complaint as the more complaints received, the more likely the solicitations will stop. Additionally, egregious violations could result in a referral to the Justice Department in which case criminal charges can be filed.

Once you have done your part by filing with the appropriate authorities then reporting violations each time they occur, the sooner these types of unwanted forms of contact will be stopped. There is power in numbers and this is one area where we all need to stand together.
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