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Companies collect this information and sell it for marketing purposes.

If you are concerned about keeping your name and address private, consider having an unlisted number. Postal Service and National Change of Address (NCOA) database When you move, the U. Postal Service (USPS) provides change of address information to those companies that already have your old name and address if the company subscribes to the USPS National Change of Address (NCOA) database.

Envelopes containing an assortment of ads are another in this category.

They are usually addressed to "resident" or "occupant" at your address.

To reduce this kind of junk mail, do the following:d.

Pre-approved offers of credit Under the Fair Credit Reporting Act (FCRA), credit bureaus are permitted to include your name on lists used by creditors or insurers to make offers of credit or insurance that are not initiated by you.

Opting out will only stop offers that result from creditors or insurers screening your credit report.

It may take some hunting, but you can usually find a toll-free customer service number and/or address on the advertising piece.Abacus members, mostly catalog and publishing companies, contribute and exchange information about their customers.Your name may also be sold to other catalog and publishing companies.Public records, magazine subscriptions, charitable donations, buyer loyalty programs, “consumer” surveys and product warranty forms also provide a rich source of information about you.Unsolicited mail can be as general as an announcement for a pricey new restaurant if you have a high-rent zip code. While it is almost impossible to eliminate all junk mail, you can take steps to reduce the amount of junk mail that you receive. Direct marketing mailing lists are developed through numerous data sources.

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