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If they can’t see your report, they may not extend the credit. As you consider opting out, you should know that prescreened offers can provide many benefits, especially if you are in the market for a credit card or insurance.

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Also known as a security freeze, this free tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name. If you want to stop getting prescreened offers of credit, call 888-5OPTOUT (888-567-8688) or go online.