Regardless of any promotional gifts, you should refrain from applying for credit unless it is absolutely necessary. If you attempt to apply for credit and you are denied due to a lack of credit history or a delinquent credit history, consider submitting alternate credit sources to the credit bureau. Alternate sources are cable, auto insurance, pager, cellular phone, and utility bills. These liabilities are not typically reported to the credit bureaus. You may wonder why you receive so many offers of credit in your mailbox.
Creditors purchase mailing lists from compilers around the country.
A bank who wants only A credit borrowers will then purchase that list and solicit consumers for their business. Since delinquent credit histories are becoming great in numbers, many lenders have begun offering high-cost credit programs to these borrowers as well. The sub-prime lenders will purchase lists of consumers who fit this type of criteria as well. You can prevent the sale of your information by contacting the credit bureaus directly. Once your request is processed, your mailbox should be free of the junk that clutters it.