Offer your thoughts or opinion on the input financial query or topic using your financial background.

Can signing up at optoutprescreen.com improve my credit score?
If I had a business and was able to claim a feature, I would. It's simple marketing. If in fact, opting out helped your score, the site would promote that feature.  Soft pulls for prescreened offers are not counted. No more than my constant peek at my score through Credit Karma. Opt out, if you wish.  The benefit of course is less mail, which saves trees. Less risk of identity theft, someone can take the application and try to forge from there. Less risk of an infected paper cut opening this mail (don't ask.) I am a compulsive mail shredder, so I peek and these and shred. A year ago I received an offer of $30,000 zero interest, max transfer fee $50. I sent the entire sum to my 5% mortgage. Now I refinanced and paying that back. It saved me $1500 over the year. Too much trouble for some, but how long does it take to make $1500? For 40% of this country's families, that's a week's pay. The monthly extra bill didn't bother me. This last paragraph is an anecdote, not so much addressing question. I did that first.