Credit and Money Empowerment: Chapter 2: Leave me the F* Alone

Chapter 2
Leave me the F* Alone.
(Credit Card Opt Out)

Many of yal can relate to this situation: You come home either from
work or school (its usually at your primary residence on your credit
report) and you have a credit card offer. You look at it and you say
to your self "Man I don't want this Bullshit"
So what do you usually do? You rip it up and forget about it.
What else are you supposed to do?

The “man” wants us to do that. They want us to be ignorant and not
investigate. Those letters and credit companies are like Roaches.
You just can’t kill one roach and expect the problem to go away. You
have to go to the source and solve the problem. Or they will keep
coming back. The man expects all of us to not do this though.

So if we took a minute out of our life and actually read the
application instead of instantly ripping it up, you would notice that
there is a way to opt out of those applications.

The issue with these cards is that they come pre approved. In order to
have something delivered that is pre-approved, they must do a
preliminary check of your credit history.
There are 2 ways to check your credit and they are classified as “Pulls”
You have a soft pull and a hard Pull. A user can pull their own credit report as many times as they want with no consequences. If company pulls your credit report, they are doing a hard pull. They have access to all your information and it is all documented.

Now when someone does that, they pull records from the 3 bureaus. Equifax, Experian and Transunion. When ever a creditor request a credit history, those bureaus document
that request. The more request, the more it affects your credit. You think I’m lying?
When you check your credit score again, look at how many request were made and how many you can recognize and justify.

Now lets be real, many people have rough credit or credit they would
love to improve. At lease let "you" be the one to mess it up. Not some other person you
will never meet.

Also to add insult to injury, we all know that almost 40 million people a year get affected with credit fraud. During the 3rd week of July 2008, I was affected my self. Someone opened a card in my name. It's easy to have it happen to you also.
How so? Who do you think has your social security numbers and addresses?
Those creditors.
And like at ever job, there are always dirty people…
Of course that is only one example of how it can happen.

So the purpose of this note is to send a link with a way to opt out
of it. It will only take a few minutes of your life to opt out for 5
years, and a stamp and letter to permanently opt out. For those that
read this message and feel that it's worth the investment, I recommend
doing it now, because tomorrow someone might do a credit request on
your account.

Its clearly evident that I don't know everything in the world or that
I'm not a master at credit. The knowledge I do know though, I will
share, especially if it will help someone else.

https://www.optoutprescreen.com/?rf=t

Take Care
Steven E Johnson


The Next Chapter: Get your Mind Right