Identification
- Opt-Out Pre-screen takes consumers off the mailing lists of members of the Direct Marketing Association, which sends out most pre-approved mailings. However, pre-approved credit offers do not affect consumer credit ratings, because the inquiry does not cause damage like a request for credit by the consumer. Also, creditors cannot see how many pre-approved offers a consumer receives, so Opt-Out Pre-screen has no direct effect on the creditworthiness of consumers.