<P> Optoutprescreen.com is a joint venture among Equifax, Experian, Innovis, and TransUnion, allowing customers to opt out of receiving credit card solicitations by mail . </P> <P> Under the Fair Credit Reporting Act (FCRA), consumer reporting agencies are permitted to include customers' names on lists used by creditors or insurers to make offers of credit or insurance that are not initiated by the customer . The FCRA also provides customers the right to opt out, which prevents consumer reporting agencies from providing credit file information to others . </P>

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