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But perhaps the best advice on dealing with credit solicitations comes from James A. Guest, the president of Consumers Union, based in Yonkers.
If a child is under age 18 and credit solicitations - or bills - start arriving, that's a likely indication of identity theft.
Look at it this way: Most of us have little understanding of what our personal financial strengths and weaknesses are, which is in direct opposition to the dozens of credit solicitations we receive each year.
So don't wait, take action as soon as you start receiving unwanted credit solicitations.
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Mailboxes are again stuffed with credit card solicitations.
The agency reported that it received 635,000 consumer complaints in 2004, many related to activities like pyramid schemes, credit card solicitations and bogus auctions.
Why the credit card solicitations, I asked?
Remove yourself from physical mailing lists - to remove yourself from credit card solicitations, go to optoutprescreen.com; to remove yourself from catalogs and coupon packs, go to valpack.com.com
The auto-dialed call from a telemarketer, with its telltale moment of silent static before an alleged human comes on and asks to speak with someone whose name has roughly the same vowel sounds and number of syllables as yours, is the telephonic equivalent of those mailed credit card solicitations that sit around for weeks while we mean to shred them but never get around to it.
Sign up at Opt Out Prescreen's website (https://www.optoutprescreen.com) to stop unwanted credit card solicitations for either 5 years or permanently.
(This doesn't include credit-card solicitations or entreaties from charities).
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CEO of Professional Science Editing for Scientists @ prosciediting.com