Although you may not be able to shut off the flow of direct-mail ads for credit cards entirely, you can narrow the stream. The Fair Credit Reporting Act lets insurers and creditors send unsolicited offers based on information they learn about consumers through credit reporting bureaus. Anytime you get pre-approved credit card offers, you can bet the companies got information about your credit history to make sure you fit their target markets. On the other hand, the law also gives you the right to just say no. Some consumers choose not to receive prescreened credit card offers because they want to protect their privacy, avoid the temptation to run up additional debt, or prevent thieves from stealing pre-approved applications from their mailboxes.