 TITLE: What Is a Firm Offer of Credit and Why Does It Matter? CONTENT: > Find the best personal loans in Experian CreditMatch™.\nHow to Shop for Credit Cards and Loans\n--------------------------------------\nHere are three ways to shop for a credit card or loan:\n1.  **Use a credit card or personal loan comparison** tool to see which cards or loans you are more likely to get approved for and how the cards and loans stack up with interest rates, fees, rewards, cash back and other options.\n2.  **Respond to a lender's credit card or loan offer.** You have met their initial prescreen requirements, so if the offer meets your needs, your credit profile has not changed and your income can be verified, you will be approved for the card.\n3.  **Chat with your bank** about the credit products they offer that you could qualify for.\nRead more about the 6 steps to finding the best credit card.  \nCan You Opt Out of Credit Card and Loan Offers?\n-----------------------------------------------\nYes, you can opt out of unsolicited credit offers for a five-year period or permanently by calling the toll-free number 1-888-5-OPT-OUT (1-888-567-8688) or visiting www.optoutprescreen.com.\nChoosing to opt out of this list should stop you from receiving any prescreened offers. If you decide to opt out, you may need to provide your Social Security number, date of birth and your home telephone number. If you change your mind, you can call the same number or site and request to opt back in. END