As the parent of a teenager, you’ve probably noticed credit card solicitations are starting to flood your mailbox. Not for you, but your teenager. This didn’t happen when I was kid (not that long ago, mind you) – but things have changed. Credit card companies are trying to tap into this vast market as early as they can. In fact, some send the actual credit card to teenagers without them ever having completed an application. This certainly makes it difficult for a teenager to resist the temptation of fast, easy credit.
If you want to help protect your teenager from these marketing campaigns, you might want to consider taking advantage of your right to opt-out of these advertisements. We all know about the national telemarketing “do not call” list that you can utilize to minimize the pain of those nasty telemarketers. Well, now there’s a service that will help you (and your kids) avoid the lion’s share of those credit card solicitations. All you need to do is call 1-888-5-OPTOUT or go online to OptOutPrescreen.comto request to have your child’s name removed from these mailing lists. You can choose to opt-out permanently for just the next five years and you don’t have to worry about this decision having a negative effect on your child’s credit rating. At the same time, your teenager can choose to opt back in when the time is right.In the meantime, make sure that you shred all of the uninvited credit cards and credit card offers that you receive before throwing them away. That way, you don’t have to worry about an identity thief creating an account in your child’s name and destroying his or her credit before your child gets a chance to do it on his or her own.
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