Ok, maybe that’s a fib. There is no real ‘quick fix’ for a poor credit score but this little trick might help you to boost your credit score; especially if your score is right on the cusp of average and excellent (or poor and average).

Every time you receive a pre-approved credit card application in the mail your credit score is pulled to verify that you should receive the ‘great offer’. Although these small hits to your report are not detrimental, if you receive many of these types of applications in a short period of time they can add up – and even reduce your credit score by several points.

There’s a quick and easy way to remove yourself from these pre-approved application lists.

Step 1:

Go to www.optoutprescreen.com and scroll to the bottom to click on the ‘Click Here to Opt-In or Opt-Out’ Button.

Step 2:

Chose between the following options:

• Opting-In will put you back on the list if you have previously removed yourself.
• Opting-Out for 5 years is a quick (about 15 minutes) online form. Personal information such as social security number and date of birth is needed for both Opting-Out forms.
• Opting-Out forever requires you to print out the form, fill it out, and mail it in.

Step 3:

Complete the form.

See - super easy!

It will take a little bit of time for this to show any improvement to your credit history and score, the current offers need to have time to cycle of your credit history – and like I said before, it won’t move your credit from poor to excellent – but it may be just that extra little push you need to get a better interest rate on your next home.

Another upside to opting out: Less junk mail!