Junk mail, spam, unsolicited phone calls and texts messages are more than merely an unwanted annoyance - they can potentially lead to identity theft.
But how do you stop them? “While it’s nearly impossible to completely eliminate junk mail, spam text messages and unsolicited phone calls, there are things you can do to minimize unwanted communications and protect yourself,” said Claire Rosenzweig, President and CEO of the BBB Serving Metro New York. The BBB recommends taking the following steps to get your mailbox and smartphone under control.
Unwanted mail shouldn’t cost you your identity. Pre-approved credit card offers are an easy target for identity thieves who can steal incoming mail and use these offers to open fraudulent credit accounts. You can help reduce the chances of identity theft by taking action to stop these pre-screened credit offers. Consumers can opt-out of receiving pre-approved credit card offers for at least five years by calling 1-888-5-OPTOUT (567-8688) or visiting optoutprescreen.com. This service is offered by the three major credit reporting bureaus, Equifax, Experian and TransUnion.
Stop unwanted direct mail solicitations. To stop most mailings, consumers can go to dmachoice.org and opt out of mail from members of the Direct Marketing Association. DMA regularly updates its list, but it may take up to six months before solicitations from all DMA members stop.
Has your evening been interrupted by telemarketers? You’re not alone. The U.S. government's National Do Not Call Registry is a free, easy way to reduce the telemarketing calls you get at home. To register your phone number or to get information about the registry, visit donotcall.gov, or call 1-888-382-1222 from the phone number you want to register. You will get fewer telemarketing calls within 31 days of registering your number. (Political and charity calls are excluded.)
Are you receiving spam text messages? First and foremost, don’t respond. Responding to the text message only confirms a working number and opens the door for more messages. If your number is already on the Do Not Call Registry and you’re still receiving messages and phone calls, file a complaint with the FCC and consider a reliable smartphone application that lets you block unwanted numbers, look up unknown numbers, and file a complaint with the FTC.
