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There's not a good way to fully opt-out of credit reporting. Get a free annual credit report via annualcreditreport.com (if you have a social security number or tax ID number). You can request it from all three credit reporting agencies from that link. You can also opt-out of pre-approved credit card & loan offers, which is a common vector for identity theft. | There's not a good way to fully opt-out of credit reporting. Get a free annual credit report via annualcreditreport.com (if you have a social security number or tax ID number). You can request it from all three credit reporting agencies from that link. You can also opt-out of pre-approved credit card & loan offers, which is a common vector for identity theft. | ||
− | + | * Equifax, Inc. | |
Opt-out by: Email, Phone, or Mail | Opt-out by: Email, Phone, or Mail | ||
Phone: 1-888-567-8688 | Phone: 1-888-567-8688 | ||
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Atlanta, GA 30374-0123 | Atlanta, GA 30374-0123 | ||
− | + | * Experian | |
Opt-out by: Phone or Website | Opt-out by: Phone or Website | ||
Phone: 1-888-567-8688 | Phone: 1-888-567-8688 | ||
Website: http://www.experian.com/privacy/opting_out_preapproved_offers.html | Website: http://www.experian.com/privacy/opting_out_preapproved_offers.html | ||
− | + | * TransUnion Corp. | |
Opt-out by: Email, Phone, or Mail | Opt-out by: Email, Phone, or Mail | ||
Phone: 1-888-567-8688 | Phone: 1-888-567-8688 | ||
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Woodlyn, PA 19094 | Woodlyn, PA 19094 | ||
− | + | * Fair Isaac Corporation | |
Opt-out by: Email or Phone | Opt-out by: Email or Phone | ||
Notes: While you may not have heard of Fair Isaac, you've definitely heard of credit scores. The scores are created by FICO from information from one of the three credit reporting agencies above. If you've used one of their products directly, they do keep a fair bit of data. | Notes: While you may not have heard of Fair Isaac, you've definitely heard of credit scores. The scores are created by FICO from information from one of the three credit reporting agencies above. If you've used one of their products directly, they do keep a fair bit of data. | ||
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Phone: 1-888-342-6336 | Phone: 1-888-342-6336 | ||
− | + | * LexisNexis Group | |
Opt-out by: Mail or Website (in some cases) | Opt-out by: Mail or Website (in some cases) | ||
Notes: LN isn't a credit reporting agency per se, but is maintaining a large amount of data that is frequently incorrect. To comply with the FCRA, they do allow people to obtain their own file, and to correct errors. | Notes: LN isn't a credit reporting agency per se, but is maintaining a large amount of data that is frequently incorrect. To comply with the FCRA, they do allow people to obtain their own file, and to correct errors. | ||
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=== Data Brokers === | === Data Brokers === | ||
− | + | * Spokeo.com | |
Opt-out by: Website | Opt-out by: Website | ||
Website: http://www.spokeo.com/opt_out/new | Website: http://www.spokeo.com/opt_out/new | ||
Notes: Find your profiles, and submit them via the web form. They will be removed within a few days. | Notes: Find your profiles, and submit them via the web form. They will be removed within a few days. | ||
− | + | * PeekYou.com | |
Opt-out by: Website | Opt-out by: Website | ||
Website: http://www.peekyou.com/about/contact/optout/index.php | Website: http://www.peekyou.com/about/contact/optout/index.php | ||
Notes: Find your profiles, and submit the unique ID from them to have them removed. | Notes: Find your profiles, and submit the unique ID from them to have them removed. | ||
− | + | * Pipl | |
Website: https://pipl.com/help/remove/ | Website: https://pipl.com/help/remove/ | ||
Notes: Refuses to allow opt-outs. Frequently incorrect info aggregated from across the internet. | Notes: Refuses to allow opt-outs. Frequently incorrect info aggregated from across the internet. | ||
− | + | * WhitePages.com | |
Notes: To remove information, you must first make an account. | Notes: To remove information, you must first make an account. | ||
− | Step-by-step instructions: https://support.whitepages.com/hc/en-us/articles/ | + | Step-by-step instructions: https://support.whitepages.com/hc/en-us/articles/203263794-Remove-my-listing-from-Whitepages- |
− | + | * Epsilon Data Management, LLC | |
Opt-out by: Email, Telephone, Mail | Opt-out by: Email, Telephone, Mail | ||
− | Website | + | Website: https://www.epsilon.com/en_US/for-consumer/marketing-data-summary-request.html |
− | |||
Notes: Epsilon is one of the largest data brokers, and has bought up several smaller data brokers to obtain their databases (such as Abacus Corp). Opt-outs may take up to three months to process. | Notes: Epsilon is one of the largest data brokers, and has bought up several smaller data brokers to obtain their databases (such as Abacus Corp). Opt-outs may take up to three months to process. | ||
Email: privacy@epsilon.com (US), emeaprivacy@epsilon.com (EU/EEA), apac-privacy@epsilon.com (Asia) | Email: privacy@epsilon.com (US), emeaprivacy@epsilon.com (EU/EEA), apac-privacy@epsilon.com (Asia) | ||
Phone: 1-888-780-3869 | Phone: 1-888-780-3869 | ||
− | + | * Acxiom Corporation | |
Opt-out by: Website or Phone | Opt-out by: Website or Phone | ||
Website: https://isapps.acxiom.com/optout/optout.aspx | Website: https://isapps.acxiom.com/optout/optout.aspx | ||
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Phone: 1-877-774-2094 | Phone: 1-877-774-2094 | ||
− | + | * Intelius, Inc. | |
Opt-out by: Website, Fax, or Mail | Opt-out by: Website, Fax, or Mail | ||
Website: https://www.intelius.com/optout.php | Website: https://www.intelius.com/optout.php | ||
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Bellevue, WA 98009-4145 | Bellevue, WA 98009-4145 | ||
− | + | * Ameridex | |
Opt-out by: Email or Mail | Opt-out by: Email or Mail | ||
− | Website: http://ameridex.com/ | + | Website: http://ameridex.com/ |
Notes: Primarily public vital records (eg birth & death) | Notes: Primarily public vital records (eg birth & death) | ||
Email: info@ameridex.com | Email: info@ameridex.com | ||
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San Francisco, CA | San Francisco, CA | ||
94119-3051 | 94119-3051 | ||
− | + | ||
− | + | * BeenVerified | |
Opt-out by: Website or Email (privacy@beenverified.com) | Opt-out by: Website or Email (privacy@beenverified.com) | ||
Website: http://www.beenverified.com/opt-out-instructions | Website: http://www.beenverified.com/opt-out-instructions | ||
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Find profile: https://www.beenverified.com/f/optout/search | Find profile: https://www.beenverified.com/f/optout/search | ||
− | + | * Harte-Hanks, Inc. | |
Opt-out by: Email | Opt-out by: Email | ||
Website: http://www.hartehanks.com/privacy | Website: http://www.hartehanks.com/privacy | ||
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Email: privacychoices@hartehanks.com | Email: privacychoices@hartehanks.com | ||
− | + | * People Smart | |
Opt-out by: Website, email, or mail | Opt-out by: Website, email, or mail | ||
Website: https://www.peoplesmart.com/optout-policy | Website: https://www.peoplesmart.com/optout-policy | ||
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Omaha, NE 68139 | Omaha, NE 68139 | ||
− | + | * InfoPay EmailTracer | |
Opt-out by: Fax or Mail | Opt-out by: Fax or Mail | ||
Notes: They ask for a lot of info to opt-out. Only provide them with what you can see in their database (full name, address, and photo ID). | Notes: They ask for a lot of info to opt-out. Only provide them with what you can see in their database (full name, address, and photo ID). | ||
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Boston, MA 02199 | Boston, MA 02199 | ||
− | + | * PeopleFinders.com | |
Opt-out by: Website | Opt-out by: Website | ||
− | Website: | + | Website: http://www.peoplefinders.com/privacy.aspx |
Notes: Look up information and click "That's Me," then click "Opt out my info" on the next page. You may need to check in cities you used to live in to find your profile. | Notes: Look up information and click "That's Me," then click "Opt out my info" on the next page. You may need to check in cities you used to live in to find your profile. | ||
Find profile: http://www.peoplefinders.com/manage | Find profile: http://www.peoplefinders.com/manage | ||
− | + | ||
− | + | * Peoplelookup.com | |
Opt-out by: Using Intelius opt-out method above. | Opt-out by: Using Intelius opt-out method above. | ||
− | + | * PeopleSearchNow.com | |
Opt-out by: Mail | Opt-out by: Mail | ||
Website: http://www.peoplesearchnow.com/privacy | Website: http://www.peoplesearchnow.com/privacy | ||
− | Notes: They require people to fill out a form: | + | Notes: They require people to fill out a form: http://www.peoplesearchnow.com/Opt%20Out%20Request%20Form_PSN.docx |
Address: | Address: | ||
Opt-Out/PeopleSearchNow.com | Opt-Out/PeopleSearchNow.com | ||
1821 Q Street | 1821 Q Street | ||
Sacramento, CA 95811 | Sacramento, CA 95811 | ||
− | + | ||
− | + | * Phone Detective | |
Opt-out by: Website | Opt-out by: Website | ||
Website: https://www.phonedetective.com/PD.aspx?_act=OptOut | Website: https://www.phonedetective.com/PD.aspx?_act=OptOut | ||
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Email: privacy@phonedetective.com | Email: privacy@phonedetective.com | ||
− | + | * PrivateEye | |
Opt-out by: Website or Mail | Opt-out by: Website or Mail | ||
− | Website: | + | Website: http://www.privateeye.com/Help/default.aspx?from=hys0359866156&piid=03#RemoveFromRecords |
Notes: Because this is several services, they mistakenly (?) direct visitors to People Finders to find/remove info. | Notes: Because this is several services, they mistakenly (?) direct visitors to People Finders to find/remove info. | ||
Find/remove profile: http://www.peoplefinders.com/manage | Find/remove profile: http://www.peoplefinders.com/manage | ||
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1821 Q Street | 1821 Q Street | ||
Sacramento, CA 95811 | Sacramento, CA 95811 | ||
− | + | ||
− | + | * PublicBackgroundChecks.com | |
Opt-out by: Mail | Opt-out by: Mail | ||
− | Website: http://www.publicbackgroundchecks.com/privacypolicy.aspx | + | Website: http://www.publicbackgroundchecks.com/privacypolicy.aspx |
Notes: They ask for a lot of info to opt-out. Only provide them with what you can see in their database (full name, address, and photo ID). | Notes: They ask for a lot of info to opt-out. Only provide them with what you can see in their database (full name, address, and photo ID). | ||
Address: | Address: | ||
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305 5th Avenue S, Suite 201 | 305 5th Avenue S, Suite 201 | ||
La Crosse, WI 54601 | La Crosse, WI 54601 | ||
− | + | ||
− | + | * PublicRecordsNOW | |
Opt-out by: Mail | Opt-out by: Mail | ||
Website: http://www.publicrecordsnow.com/static/view/privacy | Website: http://www.publicrecordsnow.com/static/view/privacy | ||
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Sacramento, CA 95811 | Sacramento, CA 95811 | ||
− | + | * USA People Search | |
Opt-out by: Website | Opt-out by: Website | ||
Website: https://www.usa-people-search.com/manage/ | Website: https://www.usa-people-search.com/manage/ | ||
Notes: Search database, find yourself, then select that record for removal. | Notes: Search database, find yourself, then select that record for removal. | ||
− | + | * US Search.com | |
Opt-out by: Mail or Fax | Opt-out by: Mail or Fax | ||
− | Website: | + | Website: http://www.ussearch.com/consumer/ala/landing.do?did=590 |
Notes: You must provide a copy of your ID and a letter with your name, address, and date of birth to opt out. | Notes: You must provide a copy of your ID and a letter with your name, address, and date of birth to opt out. | ||
Fax: 1-425-974-6194 | Fax: 1-425-974-6194 | ||
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P.O. Box 4145 | P.O. Box 4145 | ||
Bellevue, WA 98009-4145 | Bellevue, WA 98009-4145 | ||
− | + | ||
− | + | * Veromi.net | |
Opt-out by: Mail | Opt-out by: Mail | ||
− | Website: http://www.veromi.net/privacy.aspx | + | Website: http://www.veromi.net/privacy.aspx |
Notes: They ask for a laundry list of personal info to process an opt-out. It's a good idea to find records and include the links in your request. | Notes: They ask for a laundry list of personal info to process an opt-out. It's a good idea to find records and include the links in your request. | ||
Address: | Address: | ||
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1821 Q Street | 1821 Q Street | ||
Sacramento, CA 95811 | Sacramento, CA 95811 | ||
− | + | ||
− | + | * Westlaw (Thompson Reuters Corp.) | |
Opt-out by: Mail | Opt-out by: Mail | ||
Notes: They only allow opt-out for people who are in physical danger, are a judge or public official, or are a victim of identity theft. | Notes: They only allow opt-out for people who are in physical danger, are a judge or public official, or are a victim of identity theft. | ||
− | + | * ZABA Inc. | |
Opt-out by: Fax | Opt-out by: Fax | ||
Website: http://www.zabasearch.com/privacy.php | Website: http://www.zabasearch.com/privacy.php | ||
− | Notes: Include a copy of your ID with your request. | + | Notes: Include a copy of your ID with your request. |
Fax: 1-425-974-6194 | Fax: 1-425-974-6194 | ||
− | + | ||
− | + | ||
+ | == Online Marketing == | ||
Digital marketing firms also conduct monitoring and correlation of user data. This is most noticeable with "retargeting," the phenomena where ads seem to follow you around the internet. Opting out won't keep ads from displaying, but helps limit retargeting and self-reinforcing ad cycles. | Digital marketing firms also conduct monitoring and correlation of user data. This is most noticeable with "retargeting," the phenomena where ads seem to follow you around the internet. Opting out won't keep ads from displaying, but helps limit retargeting and self-reinforcing ad cycles. | ||
− | + | * Network Advertising Initiative (NAI): http://www.networkadvertising.org/choices/#completed | |
Opt-out by: Website checklist | Opt-out by: Website checklist | ||
− | |||
Notes: Allows people to opt-out of several ad networks at once. | Notes: Allows people to opt-out of several ad networks at once. | ||
− | + | * Digital Advertising Alliance (DAA) | |
Opt-out by: Website checklist | Opt-out by: Website checklist | ||
Website: www.aboutads.info/choices/ | Website: www.aboutads.info/choices/ | ||
Notes: Allows people to opt-out of several ad networks at once. | Notes: Allows people to opt-out of several ad networks at once. | ||
− | + | * Google Ads | |
Opt-out by: Website settings | Opt-out by: Website settings | ||
Website: https://www.google.com/settings/u/0/ads/authenticated?hl=en | Website: https://www.google.com/settings/u/0/ads/authenticated?hl=en | ||
Notes: Partial opt-out. Must be logged into Google account to adjust settings. This would seem to be most useful to regular Google or Chrome users. | Notes: Partial opt-out. Must be logged into Google account to adjust settings. This would seem to be most useful to regular Google or Chrome users. | ||
− | + | * Oracle / Eloqua / BlueKai / DataLogix Holdings: | |
Opt-out by: Website settings or Mail | Opt-out by: Website settings or Mail | ||
"Marketing Cloud": Must be conducted on each browser you want protected, since it's done via cookies. | "Marketing Cloud": Must be conducted on each browser you want protected, since it's done via cookies. | ||
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If you get a lot of junk mail, opting out of these will help a bit. These databases are also frequently traded, so if you're trying to keep your home address off the internet, it can be a good idea to opt-out. | If you get a lot of junk mail, opting out of these will help a bit. These databases are also frequently traded, so if you're trying to keep your home address off the internet, it can be a good idea to opt-out. | ||
− | + | * Direct Marketing Association | |
Opt-out by: Website | Opt-out by: Website | ||
Website: https://dmachoice.thedma.org/register.php | Website: https://dmachoice.thedma.org/register.php | ||
− | Notes: Many companies use this database to automatically remove people who don't want to receive flyers, etc | + | Notes: Many companies use this database to automatically remove people who don't want to receive flyers, etc. |
− | + | ||
− | + | * Dun & Bradstreet Corp. | |
Website: http://www.dnb.com/utility-pages/privacy-policy.html | Website: http://www.dnb.com/utility-pages/privacy-policy.html | ||
Phone: 1-800-234-3867 | Phone: 1-800-234-3867 | ||
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Notes: They collect data on businesses and individuals, then sell/provide to third-parties. DNB is a *very* large organization -- most businesses in the US have a DNB number, and a company's DNB file acts as sort of credit report for business-to-business lending/services. | Notes: They collect data on businesses and individuals, then sell/provide to third-parties. DNB is a *very* large organization -- most businesses in the US have a DNB number, and a company's DNB file acts as sort of credit report for business-to-business lending/services. | ||
− | + | * Cox Target Media (Valpak coupons) | |
Opt-out by: Website | Opt-out by: Website | ||
Website: https://www.valpak.com/coupons/show/mailinglistsuppression | Website: https://www.valpak.com/coupons/show/mailinglistsuppression | ||
Notes: Fill in address to be removed from mailing lists. | Notes: Fill in address to be removed from mailing lists. | ||
− | + | * Infogroup Inc. | |
Opt-out by: Email, Phone, Fax, or Mail | Opt-out by: Email, Phone, Fax, or Mail | ||
Website: https://www.infousa.com/infogroup-consumer-choice-and-resource-center/ | Website: https://www.infousa.com/infogroup-consumer-choice-and-resource-center/ | ||
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Papillion, NE 68046 | Papillion, NE 68046 | ||
− | + | * Meredith Corporation | |
Opt-out by: Website or Mail | Opt-out by: Website or Mail | ||
Website: http://www.meredith.com/offlinePrivacy.html | Website: http://www.meredith.com/offlinePrivacy.html | ||
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Des Moines, Iowa 50309 | Des Moines, Iowa 50309 | ||
− | + | * Merkle, Inc. | |
Opt-out by: Use DMA opt-out method. They remove data that matches DMA opt-out records. | Opt-out by: Use DMA opt-out method. They remove data that matches DMA opt-out records. | ||
Website: http://www.merkleinc.com/privacy | Website: http://www.merkleinc.com/privacy | ||
− | + | * Reader's Digest (and other Trusted Media brands) | |
Opt-out by: Email, Phone, or Mail | Opt-out by: Email, Phone, or Mail | ||
Website: http://tmbi.com/privacy-policy/ | Website: http://tmbi.com/privacy-policy/ | ||
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Harlan, IA 51593 | Harlan, IA 51593 | ||
− | + | * Suarez Corporation Industries | |
Opt-out by: Email, Phone, or Mail | Opt-out by: Email, Phone, or Mail | ||
Website: http://www.suarez.com/privacy-policy/ | Website: http://www.suarez.com/privacy-policy/ | ||
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North Canton, OH 44720 | North Canton, OH 44720 | ||
− | + | * Valassis Communications / RedPlum | |
Opt-out by: Website | Opt-out by: Website | ||
Website: http://www.valassis.com/ | Website: http://www.valassis.com/ | ||
Notes: Junk mail; coupons and flyers. | Notes: Junk mail; coupons and flyers. | ||
Website: https://www.redplum.com/tools/redplum-postal-addremove.html | Website: https://www.redplum.com/tools/redplum-postal-addremove.html |