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Seems like every day my cellphone rings with a call from some company trying to sell me something or a politician dying to dish the dirt on an opposition. And somehow they all call when my arms are full of groceries or I’m in the middle of a meal.
It appears I’m not the only one. Here’s this week’s reader question:
How can we get on the “do not call” list for those annoying political and advertising calls? – Frank
I did a TV news story on this topic a few years ago. It’s called “Stop Junk Mail and Spam.” Let’s start with that, then pick it up on the other side.
Now, here’s your definitive guide to narrowing down those annoying calls, mail and other intrusions into your life. Look it over, save it, then share it with your friends by using the “share” buttons above.
Crushing the credit offers
Hopefully you don’t pick your plastic by responding to “preapproved” credit card offers you get in the mail. The way to get a credit card isn’t to fall for a sales pitch, it’s to invest a few minutes and shop them. Do that by going to the Solutions Center to the left of this article, clicking on “Credit Cards,” then comparing competing offers.
Any unsolicited offer saying you’re preapproved is most likely a lie anyway. Banks buy lists of people with certain credit characteristics, then send them all offers saying they’re “preapproved.” You’re not preapproved. You still have to apply, and the bank can still turn you down.
There are two ways to stop this mail. You can either opt out for five years, or forever.
- To opt out for five years: Call 888-5-OPT-OUT (888-567-8688) or go to OptOutPrescreen.com.
- To opt out forever: Go to OptOutPrescreen.com and jump through an extra hoop by completing a form, which you’ll then have to mail in.
In either case, you’ll have to provide personal information, like your name, phone number, Social Security number, and date of birth. Not to worry. According to the Federal Trade Commission, your information will be kept private.
If you’d prefer not to use the Internet, you can send a written request to permanently opt out. But you’ll have to send it to four consumer reporting agencies, which will otherwise sell your name. You’ll need to include the same information required online: name, phone number, Social Security number, and date of birth. Here are the addresses:
P.O. Box 919
Allen, TX 75013
Name Removal Option
P.O. Box 505
Woodlyn, PA 19094
P.O. Box 740123
Atlanta, GA 30374
Innovis Consumer Assistance
P.O. Box 495
Pittsburgh, PA 15230
Freezing the cold calls
The good news: You can stop many unsolicited calls simply by registering your phone number (cell or landline) with the National Do Not Call Registry.
The bad news: You can’t stop them all.
Political organizations, charities, telephone surveyors, business to business callers and debt collectors aren’t affected by the Do Not Call Registry. This is also true of companies you have a current business relationship with, although they’re required to stop if you request it. The other category of caller you can’t stop unless you request it is those you’ve given written consent to call you.
Stop other calls by going to donotcall.gov and registering your personal number(s). You’ll only need to provide a phone number and email address. Your number will appear in the registry forever, or until you remove it. If you’d prefer to register by phone, you can call 888-382-1222 from the number you’re registering.
Your number will show up on the registry the next day, but telemarketers have 31 days to stop calling.
If you’ve forgotten whether you already registered your number, it’s easy to check. Just go to the website, put in your number and email address, and they’ll send you an email confirming your status. If you get unauthorized calls after you’ve been on the registry for 31 days, file a complaint here.
Also keep in mind that nearly all robocalls are illegal, even if your name isn’t on the Do Not Call Registry, unless you’ve given written permission. So if you get a robocall, report it. (Automated calls from nonprofits, schools and political campaigns are exempt.)
Slowing snail mail to a crawl
Like unsolicited sales calls, you can slow, but not stop, junk mail.
A private organization, the Direct Marketing Association, maintains a kind of “do not mail” list. It’s called the Mail Preference Service. Putting your name on the list will keep DMA members from sending you unsolicited mail for five years. Mail from nonmembers, however, will continue.
There are two ways to register with DMA’s Mail Preference Service. Either do it free at dmachoice.org, or send a written request, along with $1, to:
Direct Marketing Association
P.O. Box 643
Carmel, NY 10512
In addition to snail mail, the DMA also has an Email Preference Service. You register at the same site and it’s good for six years.
As we all know only too well, however, we get unsolicited email, also known as spam, from lots of companies that aren’t members of DMA or any other reputable organization.
According to a survey from privacy site Abine, the average person gets 105 spam emails daily. There’s no way to eliminate it all, but there are two things you can do to reduce the flood to a trickle.
1. Rev up your spam filter. Nearly all popular email programs have filters for spam that can be adjusted. If you’re getting a lot, check your settings and see if you can increase the sensitivity. To learn how, use the help function of your program, or simply search online for “reducing junk mail with (the name of your email program).”
2. Use “disposable” email addresses. A lot of spam comes from using your email address at websites that turn around and sell your name and other personal information. (In case you’re wondering, Money Talks News doesn’t do that.) Solution? Have one main email address for friends, family, work, etc., but have another for everything else. For example, if your regular email address is JaneDoe@gmail.com, create a new email address called JaneDoeShops@gmail.com. If you start getting a lot of spam to that address, simply delete it and start again with a new one.
As for the spam you’re already getting at your main address, use the “help” on your email program or search the Web for instructions on how to block the sender of offending emails. (On Outlook, it’s as simple as right clicking on the email, then clicking “junk.”)
If you’re subscribed to email newsletters or get other regular emails you no longer wish to receive, the law requires that they contain an “unsubscribe” button at the bottom of every email. If they do, unsubscribe. If they don’t, they’re illegal. Block them.
Got a question you’d like answered?
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The questions I’m likeliest to answer are those that will interest other readers. In other words, don’t ask for super-specific advice that applies only to you. And if I don’t get to your question, promise not to hate me. I do my best, but I get a lot more questions than I have time to answer.
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