this post was submitted on 04 Jun 2026
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The one thing you CAN do, and it's FREE is to place a FREE freeze on your credit file with the following: Experian Equifax Transunion Chexsystems Lexisnexis
These leeches are required by law to provide a free method to freeze access to your credit file. They don't make it easy to find, and bury it under their paid "premium" offers, usually in a plain-text link at the bottom of the page.
Once you do this, those pre-approved credit cards will stop cold. This will increase your credit score every month, as each one is a "soft inquiry" on your file, costing you thousands over time in higher interest rates, denied credit, and denied leases/rental. It also helps slow down identity theft.
Do this for your kids' social security numbers as well. Those are prime for theft.
Holy shit, that explains why my wife gets so many and I never do.