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Using the Internet to Buy a Car (Part 1) - Price

Using the Internet to Buy a Car (Part 1)

Today we'll focus on price, one of the most important issues in buying a car.
The best place to find out the true cost of a car to a delaer is (  In addition to prices, you can learn a lot about a cars features on Edmunds.  MSN also has a great website to compare car features (

As useful as Edmonds is, I highly recommend using a car buying service. 

TRUE STORY:  I used Autobytel to buy a Honda Accord several years ago for my wife.  The car was stolen and stripped (twice) 6 months later.  The second time it was declared a total loss, and our insurance company paid us $1000 more than we paid for the car using Autobytel. 

Car buying services work best for cars that are not in very very high demand and for which there is a low supply.  For example, last year people were paying over sticker price for PT Cruisers.  No Internet car buying service would have helped you get a reasonable price.  But if you want a car like an Accord or a Dodge Caravan which are in plentiful supply, you can get a great deal from a car buying service. 


Dealer invoices have up to two to three percent holdback that is usually reserved for fleet customers. The general public is not aware of this inflation.  Also, manufacturers offer rebates and delivery allowances in the range of a few hundred to thousands of dollars that is supposed to come off the price - this is hidden in the invoice.
Combining the hidden holdback with many rebates offered by the manufacturer, there can often times be a difference of $2000 or $3000 between the invoice price and actual dealer cost. If you purchase a vehicle at invoice prices - with a $3000 difference - the dealer makes $3000 on the vehicle. Many dealers will easily settle for a $1500 to $2500 profit. If they do, and you purchase the vehicle correctly, you will be well below dealer invoice.
Your awareness of these hidden savings combined with using the right online "car pricing services" can put this money into your pocket - not theirs. Car pricing services offer free price quotes from their vast network of trained dealers.

Here is a list of qualities a good car pricing service should have:
  • Good online pricing services are free of charge.
  • Good online pricing services bypass the salesman completely - You don't have to worry about scams, selling systems or annoying phone calls
  • They provide you with dealer invoice prices and incentives ahead of time - You can easily figure out the true dealer cost of a vehicle by using the formula below - Knowledge is power.

With the cost of a vehicle you know where you stand. You can then figure out what a dealer is making on your sale. Dealers using online pricing services know you have this information and provide quotes accordingly - usually in the fleet pricing area.

How to Leverage Pricing Services to Save Money:

To leverage this system in order to maximize your savings, you need to get as many quotes from competing online pricing services as possible. Dealers will compete for your business based on price and not sales pressure. The best pricing services deal with fleet managers or Internet managers. They don't make money on overall profit but on sales volume, and they are happy to offer you the lowest price to get your business.

Leveraging online pricing services offers the best buying situation possible for the consumer who hates car shopping. Fill out a few forms and in minutes you are on your way to savings that would take the best negotiators weeks of hard work to achieve. But you have to be careful - not all pricing services are the same. Some let salespeople try to pressure you to visit the dealership without giving you a quote upfront. If you want to avoid this get prices from InvoiceDealers, Autobytel, Stoneage, and CarsDirect. These services use trained dealers that are used to dealing with an informed Internet public.  These sources all offer excellence customer service and low prices.

InvoiceDealers, Autobytel, Stoneage, and CarsDirect offer the following benefits:
  • One: You pay absolutely nothing for the service! It's Free.
  • Two: You deal with a Fleet or Internet manager - no pressured sales.
  • Three: They offer all information necessary to make an informed decision: Invoice prices, rebates and incentives, a break down of options and their cost. (Needed to calculate true dealer cost)
  • Four: Offer quick turnaround time. You will often receive quotes the first day - sometimes in less than an hour!
  • Five: When it's time to take delivery you simply pay and drive off in the car you want at the price you want - they won't switch you to another vehicle at a higher price.
Many similar services on the Internet charge up to three hundred dollars for this service and promise you invoice pricing. You know that the invoice price has hold back and rebates that need to come off. Paying for invoice pricing is like paying a fee to get ripped off.

Side Note:
Actually, there are hundreds of price quote services but 99% of them simply sell your information to the highest bidder. (Many to multiple sources!) InvoiceDealers, Autobytel, Stoneage, and CarsDirect will protect your privacy - and offer good hassle-free shopping.

How to get started - Determine True Dealer Cost...

The first thing you have to do is visit InvoiceDealers, Autobytel, Stoneage, and CarsDirect and fill in your information, the car you want and the equipment. As you are doing so you will receive the MSRP and Dealer Invoice prices for the car and chosen options. You will also receive the current rebate that you are entitled to. Copy this information down. When you are finished completing the quote process you will be able to figure out dealer cost using the following formula:
  • Dealer Invoice + Destination Charge + Options - Holdback = True Dealer Cost
  • True Dealer Cost + taxes/Licensing - Rebate = Your on the road price.

Here is an example:

To keep it simple the destination charge and options are left out...

Invoice price: $20,000
Holdback: $700
Rebate: $3000
Note that the prices above do not reflect a real vehicle - they are simply examples to help illustrate the formula.

$20,000 - $700 = $19,300 dealer cost. If you buy this vehicle for $19,300, you just made a purchase at dealer cost ($700 below invoice). The dealer made $3,000 because they kept the rebate as profit.

Many dealers are willing to make much less profit than $3000. If the vehicle is in high supply with a good rebate you may do much better than the example above. Get price quotes from InvoiceDealers, Autobytel, Stoneage, and CarsDirect.
Wait for your price quotes and see who is the lowest. You will know how much they are making on the car and have a great price - usually below invoice.

Why this works...
  • Dealers in these networks know that you will be getting competing quotes - they have to compete based on price.
  • Dealers also know that you are an informed Internet shopper and you are armed with this information - they will price a vehicle accordingly.
  • Perhaps the most important item is the rebate. If a rebate is $2000 and you buy a vehicle for $100 below invoice, the dealer still makes good money and you received a great price.

NOTE: Please note that in some cases you are only entitled to rebates if you do not choose the advertised low financing percentage from the manufacturer. In other words you can't have both. Again this varies with the vehicle, time of year and location. Getting quotes from InvoiceDealers, Autobytel, Stoneage, and CarsDirect will provide you with the necessary information regarding rebates.


Loan payment calculator:

Taming Your Email (part 2)

Taming Your Email (part 2)

From the Missouri Law Bulletin, July 2003

You Don´t Need a Whip or a Chair: Learn How to Tame Your Beastly Email Box and Manage Listservers Effectively

by Dennis Kennedy

II. Ten Habits of Highly Effective Emailers

For several years, email has been considered the killer appof computing, the application that is so essential that it brings people to computers who might not ordinarily be interested. In other words, email is the reason you gotta havea computer and Internet access.

In some ways, it doesnt get much easier than email. You type a message, address it and send it. You receive a message and read it. You might reply to a message or forward it. Pretty simple.

But it doesnt take too long before you realize that theres much more to using email than meets the eye. Both internal office email and external emails can fill your inbox. In short order, you might find that the volume of email you receive has become overwhelming.

Gradually, you will come to realize that you will want to develop some email strategies so you can take greater advantage of benefits email offers to you. You want to become a power email user.

With a nod to Steven Covey and his famous seven habits of highly effective people,here are ten ways that you (and your firm) can become more effective email users and use email more effectively.

1. Cut Your Costs. Do not underestimate for one minute the cost-cutting benefits email can bring to your firm. In certain settings, the cost savings brought by email can be enormous.

Using email instead of long-distance calls can save money. Attaching draft documents to emails rather than sending them by Federal Express can save money. Sending an email rather than playing phone tag can save time and money. Sending an email rather than sending a standard transmittal letter can save money, paper and postage. Using email can put a dent in the amount of paper required to run a typical law office.

Look around your office for ways that email can result in cost savings. Do you print, copy and distribute a daily announcement sheet? Send it by email instead. Do you mail out a client newsletter? Making an email version available will save you printing and postage costs. Signing up for email newsletters can get you information commonly copied and passed around in law firms. Sending the URL of an article by email saves the cost of copying and distributing the article.

A law firm makes more money by increasing revenues or by reducing costs. Email can definitely make a contribution on the cost-cutting side. Keep your eyes open for opportunities to use email in this fashion.

2. Respond Responsively. Many users have a full-time Internet email connection and expect an instant response. You need to keep that in mind. Let me emphasize: anyone who sends an email expects a response.

I have always tried to acknowledge and respond to all well-intentioned, unsolicited personal email. If you put your or your firms email address on a web site, advertisement or brochure, you must make sure that any email sent to you is answered in a timely fashion. Youll have to decide what timely means and how email rates in priority with voice mail and other communication methods.

Often, a one or two sentence response or a simple direction to a web address is all that is required to respond to an email. The important thing is to be sure to respond in some fashion to emails that you get. Ignored email sends a very poor message about you, your firm and, most commonly, your web site.

3. Mind Your Netiquette. There are a surprising number of rules of the roadthat have grown up around email. Some are common sense and all are directed at imposing a set of good manners or etiquette on email usage. These rules are commonly known as netiquetteand the Miss Mannersresource on Netiquette is Virginia Sheas Netiquette, the core elements of which can be found at

It is surprisingly easy to make mistakes of form and manners when entering email discussions. Email lies somewhere between the informal communication of a phone call and the more formal communication of a business letter. Emails tend to be unedited first drafts that are removed from the context of vocal inflections and mannerisms. As a result, its easy to misunderstand and be misunderstood. Some people are far more aggressive in their emails than they would be in person. Theres a term in email called flamingthat refers to conversations where anger and feelings get out of hand.

Some netiquette rules are simple like not typing in capital letters (because it is the email equivalent of shouting). Others are more nuanced. You really want to be up on your basic netiquette when you join a discussion list because, all too often, someone who apparently was not treated well as a child will jump on well-intentioned new users to a list for making netiquette errors.

Netiquette will make your email experience and that of your readers far more pleasant.

4. Select Subject Matters Sagaciously. A friend of mine tends to send emails that have the subject matter line say Message from Jackie.Its short and to the point, but it makes it hard to find the message you want in a folder full of message from Jackies.

Make good use of the subject matter (or re) line of your email messages. Give a good concise summary of whats in the message that can help people assess the priority of your message and to locate your message when they need it later. Compare an email with the subject line of Financialswith one that says August 1999 Income and Expense Report (NEED COMMENTS BY FRIDAY).

Thats not to say that writing wry and humorous subject matter lines cant be fun. It is and it can be a bit of an art form for some. There is, however, an appropriate time and place for it.

Picture your recipients inbox and think of ways that you can help him or her manage the email in that box.

5. Sell with Signature Blocks. A wisely chosen signature block can help you market your firm. Youve probably noticed signature blocks. Often youll see a block of text immediately below the senders name at the bottom of his or her message that includes title, company, address, phone and fax numbers, email address, web site address and even quotes, slogans, graphics or other matter. These are signature blocks.

A signature block can be created within most email programs that can be automatically inserted at the end of each message you send. You definitely want to create a signature block that contains the appropriate information about you and your firm. If you have a web site, include the URL in your signature block. Heres a helpful tip: be sure to type the http://in front of your web address ( rather than simply If you do so, many email programs will let the reader click on the address and go directly to your web site.

Your signature should also contain description of your firm or a slogan (Representing personal injury plaintiffs since 1883) or other subtle and reasonably subdued marketing information. Some people also like to include a favorite quote Id be careful here and remember your business image and decorum.

Heres the interesting dimension of signature blocks. Take the example slogan above. If you sent an email describing your firm to a discussion list or in an unsolicited fashion that described your firm, you would likely be accused of spamming(sending unsolicited indiscriminate commercial email). If you send a regular message, your signature block makes the same point in a perfectly acceptable way.

6. Enlist in Discussion Lists. Perhaps the most useful aspect of email is participation on discussion lists or listservs(from the name of the software used to run them). The concept of a discussion list is pretty simple. You subscribeto a listserv. The listserv has a central distribution point. Copies of all emails sent to the central distribution point are in turn sent to every subscriber of the list (in some cases, thousands of subscribers). Every other subscriber receives each email you send to the list. You (and every other subscriber) receive each email sent by any other subscriber. The result is a mechanism that facilitates discussions.

There are thousands of discussion lists (see, for example, On some you might receive a message or two a day. Others can generate hundreds of messages a day. Each discussion list focuses on a topic. For example, there might be a discussion list of legal administrators of plaintiff personal injury law firms. The list might include subscribers from hundreds of law firms. A discussion list creates a forum where subscribers can share ideas, ask questions and learn from others in the same field with common interests. As a general rule, some of the most interesting and well-known members of the community of interesttend to participate in these discussion lists. As a result, you often learn from the best sources, become aware of trends and developments, hear the latest news and rumors and gain a variety of other benefits.

Discussion lists can be a great way to continue conversations, make friends and stay in touch. It is impossible to overestimate the value of a great discussion list.

7. Reach for High-end Software. You can use a variety of email programs. Some are free. Some are simple. All will get the basic job done. But the highly effective emailer wants more than that.

I recommend moving to the high-end email packages and the newest versions. These include Microsoft Outlook/Exchange, Novells Groupwise, Eudora Pro, Netscape (or Mozilla) Mail, and, in certain special cases, Lotus Notes.

Why? Control, management, flexibility, power. You want the tools that can take your use of email to the highest level. The big-time packages allow you to create rules and filters that will sort and move your mail to folders on arrival, automatically delete spammessages, view mail in ways that work for you, create mailing groups and do countless other things for you. It will be easier to use encryption and take advantage of security features. Some packages even allow you to scan for inappropriate content.

Email is a completely different experience with the high-end tools. As your volume of email increases, youll appreciate having the extra power.

8. Make it Easy to Email You. As you become a highly effective emailer, youll want to funnel more and more of your communication into your email system. In other words, you want to make it easy for people to email you.

There is, however, a tricky balancing point to consider. You want to minimize junk email. Dont be indiscriminate about handing out your email address. Many power emailers have a separate free email account (see, for example) that they use when forced to give an email address in a situation that might get them put onto a direct mail list.

Get your email address into the hands of those you want to email you. Include email addresses on business cards, stationery, brochures and other marketing materials. Every page of your web site should make it easy to contact you, your firm or any attorney in your firm by email. Directory listings, committee and organization listings and, especially, publications or speaker bios should definitely include your email address.

9. Follow the Ethical Rules. Lawyer and law firm behavior is governed by a set of ethical rules. Some of them will be different than what you might expect. Bar disciplinary entities have had a lot of difficulty deciding what to do with lawyer communication by email, but there is a growing body of rules, some of which, frankly, do not make much sense.

You will need to become very familiar with these rules and to make sure they are followed. Of particular concern are rules relating to confidentiality. In addition, Unsolicited email from potential clients can inadvertently create conflict of interest issues. You will need to look into ways to avoid these and other related issues.

There is a raging debate on whether email communications with clients must be encrypted. There is a movement toward encryption for sensitive client communications. In a few years, it will be easier to encrypt all client communications than to decide which ones should be encrypted.

Email to potential clients brings into play ethics rules on solicitation and advertising. Even your signature block should be scrutinized to be sure that you are complying with the Byzantine rules on advertising and marketing (can you say full-service,specialize inor national?). Know the rules and see that they are enforced in your firm.

10. Sharpen Your Saw. This habit is really one of Stephen Coveys seven habits. The notion here is to keep learning and to hone the tools that you have so that they are ready to use when you need them. Because email is so easy to ease, many firms give little or no training on email. Many users are simply unaware of helpful features readily available in their programs. Becoming a highly effective email user requires that you update your skills regularly, experiment with software features and devote yourself to continuous learning and improvement.

Email raises issues on a regular basis. You will want to keep apprised of virus and security issues. Encryption is a growing and important issue. Monitor developments. A helpful book on the email program you use or the occasional foray into Help screens can be especially rewarding and give you new ideas, techniques and tools.

Conclusion. Great emailers are made not born. It will take some time and effort, but the rewards are immeasurable. Adopt these ten habits and you will become a highly effective emailer.

Taming Your Email (part 1)

Taming Your Email (part 1)

From the Missouri Law Bulletin, July 2003

You Don´t Need a Whip or a Chair: Learn How to Tame Your Beastly Email Box and Manage Listservers Effectively

by Dennis Kennedy

I. Taming the Email Tiger

Many attorneys are finding that they increasingly rely on communication by email. They are also finding that at times their email mailboxes look as if a blizzard had hit them. It is not uncommon to find attorneys who receive several hundred new email messages a day.

Internet guru Jakob Nielsen has noted that surveys say that whether people get 10, 100 or 1,000 emails a day, they all say that the number they get is overwhelming.The volume of email will only be increasing. In the same newsletter, Nielsen stresses the importance of protecting your mailbox.

In other words, you want to manage your email before it manages you. I sometimes call this taming the email tiger.Fortunately, most email packages these days provide you with valuable management options. You can also use techniques not specific to individual programs to take control of your email. A great idea is to implement these techniques while your volume is low so that you can have them in place as your email volume grows.

There are four points in the email process at which you can have a significant impact on email management: before a message sent to you, when you send a message, when or as you receive a message, and when you store or delete a message. An approach that attacks each of these four points will bring you the greatest benefit, but taking steps at any one or more of them will also help you.

Before Email is Sent to You.

The strategy here is to reduce the volume of unwanted email and make sure that the messages you want come to your main mailbox. In general, you will want to take care with potential sources of heavy email volume, such as spam, email discussion lists, friends who must forward everything on to you.
  • Have several homeemail addresses in addition to your workemail address and use the homeaddresses when purchasing items or when you need to give an email address.
  • Protect your workemail and use it only in situations where there is a business purpose.
  • Yahoo, Hotmail or Excite are good places to obtain a free web-based homeemail address.
  • Investigate what blockingor spam reduction services your ISP might have to help filter mail before it even gets to you.
  • Consider the potential volume of any email discussion list before you subscribe to it and resist the urge to subscribe to every interesting discussion list you find. A good option that many discussion lists have is a digestsubscription you receive one large email a day containing all the messages posted to the list that day topped with a table of contents.
In short, being thoughtful in how and to whom you give out your email address can go a long toward protecting your mailbox and making your mailbox manageable.

Managing Your Outgoing Mail.

There are a number of simple things you can do to help make it easier for you to send email.
  • Enable your email programs feature to keep copies of your email. You might also create a rule to keep copies of sent messages in appropriate folders, such as client folders.
  • The first decision you must make is whether you want to keep copies of all the messages you send. I cannot imagine why you would not, but I have been surprised by several lawyers who did not want to keep copies of the messages they sent.
  • Use the address bookfeature of your email program to routinely capture and store email addresses. When you send another email, look the person up and send them an email. Theres no need to try to remember the email address.
  • Make good use of the subject line so that you can later identify a message and so your recipient can tell what you are sending.
Managing Email When or As You Receive It.

Your email program will put all your new email into a new mailfolder or an in box.The contents of that folder are what you see when you open your email program. Most programs give you many options to create additional folders and move mail among them. More powerful programs allow you to set up routines known as filtersor rulesthat will automatically handle email based on directions you can establish.
  • Delete all junk mail and messages you do not need to keep immediately. Fight to keep your inbox as empty as possible. Too aggressive? There are undelete options in case you make a mistake.
  • Deal aggressively and immediately with your email by replying quickly or forwarding messages that can be handled quickly and get them out of your inbox.
  • Choose a good view for your email. For example, Outlook allows you to see previews of messages so you can see the contents quickly without opening the message. It can be a great help, but you must have current fixes for Outlook installed because there have been security issues with the preview mode.
  • Consider other views that might help you (by sender, by topic, last seven days, unread, etc.) or sort in different ways to find an approach that best works for you.
  • If you do only one thing, create additional folders and organize your received mail in folders. Move messages into the appropriate folders (such as by category (clients) or action (reply necessary).
  • Rulesor filterscan make this task even easier. Some email programs allow you set up rules for dealing with email. Generally, these are simple if-thenrules like if subject line contains the words get rich quick, then delete message on arrivalor if sender is X, move message to X folder on arrival. Outlook has a great feature called organizethat simplifies the creation of the most commonly used rules.
  • Rules are great for email discussion lists because they automatically move all the discussion list mail to a folder. The folder contents can then be read at leisure and the list messages do not overwhelm your inbox. If your email program has this feature, its well worth your time to learn how to use it.
Storing, Archiving and Deleting Old Email.

On several occasions Ive talked with an attorney who commented on how slowhis or her email program was performing. When we checked, the slowness was the result of a new mailfolder or in boxthat had thousands of messages going back several years. While from a management standpoint, the easiest thing to suggest is to delete and archive old messages, deletion and archival raise some thorny issues and there are many nuances.
  • Old email can come back to haunt you. Retention policies are worth considering, but consider the implications of creating a policy and not following it.
  • Keeping all old email can also, over time, take up storage space and make it harder to find messages.
Two other points to consider:

First, as significant matters and details are handled increasingly by email, it is vital that these messages become part of the client or case file or be locatable when they are needed. Think carefully about ways to integrate email into your case management or document management systems.

Second, remember, as I suggested earlier, that deletion does not mean that a message is deleted.Even if you go to a policy that mandates, for example, annual deletion of email, you will want to make sure that it is fully deleted. Consider the use of electronic shredderprograms.


Email is a marvelous tool, but it raises a number of its own problems. With a few relatively simple steps, both email issues and email itself are manageable. Keeping in mind the idea of protecting your mailboxand taking advantage of some common sense techniques and a few features of your email programs, like rules, of which you might not have been aware can help make your life a little easier.

Dennis Kennedy ( is a computer lawyer and legal technology consultant based in St. Louis, Missouri. His web site at is loaded with articles and resources on legal, technology and Internet topics. He recently presented this program at the Solo and Small Firm Conference. An audiotape of the program is available.

The Missouri Bar Bulletin, July 2003


Safer Online Shopping

Safer Online Shopping
  • Check out the company if you have not heard of them before. You can do this through all the usual methods, the state attorney general's office, the Better Business Bureau (BBB). It's easy to check the company's status online at the BBB's site: You can also use The Better Business Bureau's site geared exclusively towards online companies. They offer a seal of approval to member companies that promise to abide by certain security and ethical guidelines. The American Bar Association hosts a special Web site for shoppers.
  • Find out the return policy on the site. Is it clear? Will they give you a fund refund? How long do you have to return the merchandise?
  • Never use a debit card on-line, use a real credit card: It is Safest Way to Pay
  • Why is paying by credit card safer than paying by check, cash, or debit card?
If you have an unauthorized charge on your credit card, under federal law your liability is limited to $50. In fact, some credit card issuers and web site operators say that under certain circumstances they will even pay this amount for you.
Can paying by credit card help in a dispute?
You may be able to dispute the sellers charges if the goods dont arrive or if you arent satisfied with them and return them. However, under the federal Fair Credit Billing Act, you can only effectively dispute charges billed to your credit card (but that you have not yet paid) if ALL of the following are true:
You have made a good faith attempt to resolve the dispute with the seller;
The dispute involves the amount of $50 or more; and
The dispute arose within the state of your credit card billing address, or within 100 miles of your address; AND
The seller of the goods (for example, a department store) has not issued the credit card that you used to pay.
If the seller of the goods has issued the credit card you used to pay, as when you use a department store credit card, you may be able to dispute the seller's charges as long as you have first made a good faith attempt to resolve the dispute. The $50, 100-mile requirements do not apply where the seller and card issuer are the same company.
Be aware that if you buy goods or services from a seller through a web site, there may be some legal uncertainty about where a dispute arose.
What are other reasons to pay by credit card?
You may save money by using a credit card if you pay it off in full when the bill arrives. Payments made by credit card allow you to keep the payment amount in your bank account, earning interest, until your credit card bill for those payments comes due.
In addition, some credit card issuers grant you extended warranties or other advantages for purchases made with the card.


Cut Down on Junk Snail Mail


Cut Down on Junk Snail Mail


Isn't it annoying to get all that junk mail from companies trying to get you to apply for their credit cards? This is a typical letter from our readers:

I keep getting pre-approved credit card offers in the mail (several a week), and this makes me very uncomfortable. Many of them are from out of state banks or companies I have never heard of. I have been told there is a way to keep these companies from sending me these offers or inquiring about my credit, but no one has been able to tell me how I should go about this. Is there an address or phone number I can contact to take care of this?

Not only does it kill baby trees, fill up your trash bin and tempt you unnecessarily, you run the real risk of having someone steal your discarded mail and apply for the card for you, essentially hijacking your identity. This is not a pleasant experience. Check out this letter as an example.

Call this one number to opt out of all three bureaus:
You can protect yourself from identity theft by taking your name off of the credit bureaus mailing lists. The credit bureaus are one of the biggest offender when it comes to selling your name and information to the credit card companies who in turn send you all those pre-approved applications. One call to the Opt Out Request Line (for Equifax, Trans Union, Experian and Consumer Credit Associates) is all it takes to permanently remove your name from all marketing lists that the credit agencies supply to direct marketers. You can also opt for a two-year period, renewing your request at any time in the future.


To get rid of most other junk mail, write a letter giving your complete name, name variations and mailing address to:

Mail Preference Service
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735

1-800-407-1088 Opt-Out from all mailing and telemarketing lists

Once you write, you'll remain on the Direct Marketing Association opt-out list for five years. It may take up to three months before you notice a significant reduction in the amount of direct mail and phone calls you receive.