You have the option of opting out of preapproved mailing lists that the credit bureaus compile on behalf on lenders and businesses. A common preapproved mailing list is that for credit cards. Opting out of preapproved mailing offers will have absolutely no effect on your credit report. Your credit accounts and here transaction history will continue to be reported to the credit bureau as usual. The only difference is that opting out of preapproved mailing list offers will be that you will no longer receive offers for credit cards and other forms of credit in your mail. This will also not interfere in you are applying for a credit card or alone in the future by yourself. It will not affect it chances for qualifying in any manner.