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Oregon Road Conditions & Cams Advertisement Email Story to a Friend August 1, 2005 Since You Asked You, too can stop those unauthorized credit checks You had a very interesting article in the Sunday business section recently about credit reports. My question is how do you keep companies from doing an inquiry of your credit report without your permission? I continually get credit card and home equity offers (which I do not want), and I have been sending them back in their postage-paid envelope (with all the junk they put with them) saying "Do not send me any more offers and do not check my credit report without my permission." But they still come and there are lots of inquiries on my credit report from them. HELP! — Paula C., Central Point Congratulations! You have already qualified for a way to halt much of that unwanted junk mail. Actually no special qualifications are needed. The credit-reporting industry provides a single, toll-free number — 888-567-8688 — that people can use to block all credit bureaus from providing personal information to credit companies just trolling for customers. You can also opt out of the offers online at www.optoutprescreen.com . As bothersome as all those applications are as they pile up in the mailbox, they don’t actually affect your credit score, said Jan Safley, director of Consumer Credit Counseling Service of Southern Oregon. They’re listed on your credit report with the code "PRM" to indicate they were promotional offers instigated by the credit card company, not a sign that you are applying for more credit than you can afford. Send questions to "Since You Asked," Mail Tribune Newsroom, P.O. Box 1108, Medford, OR 97501; by fax to 541-776-4376; or by e-mail to Since You Asked ">[email protected] . We’re sorry, but the volume of questions received prevents us from answering all of them. Mail Tribune Home | Local News | Sports | Business | Obituaries | Life | Opinion AP News | Archives | Site Map | Community | Classified Copyright © 1997-2006 Mail Tribune, Inc. All rights reserved. Privacy Policy | Terms & Conditions | Website Feedback www.bingo.com Home Security Systems Trunks, Footlocker Custom Build Computers Discount Hotel Reservations online casinos news Ashley Furniture HomeStore Send Flowers Southern Oregon Loans California Casinos GMAT Prep Windermere Van Vleet Sports Equipment Online Casino Reviews Online Bingo Entertainment Guide Online Casino Fundraisers Sudoku Online Casinos Canada Online Pharmacy Advertisement s