Opt-Out of the Prescreened Solicitation Calls

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First State Bank of Porter does not sell your information to any third party for marketing purposes.

When you apply for credit with us, we will request your credit report and credit score from the major Consumer Credit Reporting Agencies.

Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Agencies, Equifax, Experian, Innovis and TransUnion are permitted to include your name on lists used by Creditors or Insurers to make offers of credit or insurance.  The FCRA allows you the ability to “Opt-Out”, which prevents Consumer Credit Reporting Agencies from providing your credit file information for offers of Credit or Insurance that are not initiated by you.

If you decide that you want to remove your name from these offers of Credit or Insurance, you have two choices:

  • opt out for five years.
  • opt out permanently.

To opt out for five years: Go to www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). The phone number and website are operated by the major Credit Reporting Agencies.

To opt out permanently: Go to www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) to start the process. To complete your request, you’ll need to sign and return the Permanent Opt-Out Election form (which you get online) once you’ve started the process.

When you call or visit www.optoutprescreen.com, they’ll ask for your personal information, including your name, address, Social Security number, and date of birth. The information you give is confidential and will be used only to process your request to opt out.

Requests to opt out are processed within five days, but it may take several weeks before you stop getting prescreened offers.  This is because some companies may have gotten your information before the site processed your opt-out.

If you Opt-Out and then change your mind, you may use the same website or phone number to opt back in.