This is actually typed out by me, Coz, so don't think for a second I'm forwarding some stupid chain letter over my blog.

If you're getting a bunch of "pre-approved" credit card offers and similar "pre-approved" offers, you should know that your credit score is dwindling. Every time a bank hits up your credit history to give you these pre-approved offers, your credit score goes down. I've been getting them more and more and noticing my APR% on my current credit cards is getting higher and higher. I jumped from about 10% to 24% in about a year - just because of all this.

So, I learned you can call this number and opt-out of this service. The 3 major credit bureaus then cannot give out your information, saving your credit score from falling any further.

The number is 1-888-567-8688 if this is something you want to do.