![]() It is important to note that, in either case, the offer is not set in stone. Basically, if you are pre-approved, the offer is a bit more serious than a pre-selected offer. While each source has a different explanation for this, the gist of it is that pre-selected ranks lower on the totem pole than pre-approved. The only major difference between being labeled as pre-selected and pre-approved is in terms of the confidence that you can place in each. Each means that the issuer has screened (or had someone screen) a list of potential customers and they liked what they saw with you. Pre-Selected and Pre-Approved mean virtually the same thing. So What’s The Difference Between Pre-Selected, Pre-Approved and Approved? Pre-Selected and Pre-Approved If you receive an offer, you are eligible under the initial standards that the issuer has set. This one will probably strike a nerve in most people – Through “List compilers”, which are companies that purchase information from various private and public sources to compile lists of consumers for specific marketing purposes.Īfter obtaining your name from one of the above lists, the issuer then decides whether or not to send you an offer in the mail. ![]() ![]() Through credit reporting agencies that provide lists of creditworthy consumers.Through charities, clubs and organizations, credit card companies, magazines, manufacturers and retailers that rent customer (or member) lists to them.Sid Kirchheimer writes about health and consumer issues.Generally the credit card issuer will obtain your information in one of the following three ways: You can also hire private companies such as - named for the reputed weight of junk mail that each adult receives annually - and to do the legwork for you. To reduce unwanted catalogs, contact the mail-order companies directly or use a free service at, which will send opt-out requests on your behalf.You can get preprinted mailing labels online to make the task of contacting easier. List brokers pool information from public records, phone books and other sources to sell to businesses, which explains those unsolicited window and siding replacement offers. To stop other mail generated by firms called list brokers, you'll need to contact each broker.To stop mailings arriving for a deceased family member, go online to the DMA's Deceased Do Not Contact List. (The DMA represents a wide collection of legitimate businesses that use telephone, mail and the Internet to sell their products, so chances are a lot of your junk mail is coming from member firms.) You can also download a form and return it by mail with $1 (check or money order) to the noted address. To stop mail from members of the Direct Marketing Association, go to the DMA online registry.You'll be asked for personal information, but don't worry: This service is run by the three major credit-reporting bureaus, which already have your data (and cause you to get the mail in the first place by selling your name). If you choose the permanent opt-out, you'll have to send a form in the mail. Follow the automated prompts to opt out each family member for either five years or permanently. To stop credit card and insurance offers, which if stolen from your mailbox can boost your risk of identity theft, call 1-88 (1-888-5-OPT-OUT) toll-free from your home telephone the call will be checked against an address database to ensure it's really you on the line.It depends on the type of mail you want to stop, but take the following steps and you should notice a significant dent within a few months.
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