I think I get a credit application in my mail box every day… or at least four a week. It really is quite a waste of paper and energy. The envelopes just accumulate on my kitchen table..  I found this to stop the madness: www.optoutprescreen.com. Honestly, I’d rather get a ton of credit card offers in the mail than junk phone calls.. I think I got six of those today.. I’m getting to the point I don’t answer the phone most of the time unless there’s a name I specifically know. Why aren’t the phone companies doing anything about this? Don’t they want me to keep paying them x bucks a month?