Do you ever get sick of those credit card and refinancing offers you get in the mail? Do you ever wonder how you get on so many mailing lists? Credit bureaus, the very companies charged with rating your ability to get a home loan, also sell your personal information to other lenders and credit card companies, triggering a deluge of offers every time you apply for any line of credit. Unfortunately, there is no law to protect against this, but you can opt out of receiving credit offers by visiting the Opt Out Prescreen website and filling out a request. You can either opt out for five years by applying online, or permanently by mail.