By Alexa Rodriguez 1. Put a Halt on Credit-Card and Insurance Offers Credit-reporting agencies such as TransUnion, Experian, and Equifax have mailing lists that credit-card and insurance companies use to send you offers. Luckily, it takes all of one minute to put a halt to this and get your name and mailing address removed. To eliminate credit-card and insurance promotional offers, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen.com. You can choose a five-year removal (which can be done online or by phone) or a permanent removal (which requires a follow-up form). 2. Say Goodbye to Unwanted Phone Books