Are you sick of getting unwanted emails after you express interest in a loan product? Follow these tips to prevent payday loan spam and stop the onslaught that’s already in your inbox.
What Is Payday Loan Spam?
Spam is essentially any unwanted email, phone calls, texts, or postal mail that you did not request or that you already asked to stop. In today’s technology-driven world, spam messages can be used to offer you new products and services, get your attention, find out which messages you read or respond to, or collect private information that you would not otherwise share.
The most common types of spam connected to payday loan companies include:
- Solicitations for short-term loans
- Advertisements for debt management, credit counseling, and budgeting services
- Offers for discount products and online trials
- Subscriptions to newsletters and e-mail lists
Where Does It Come From?
Spam messages don’t always come from dark strangers in foreign countries who steal credit card numbers and hide their identities. Some of these unwanted messages come directly from the companies we work with, their affiliates, or their partners. You may receive spam emails if:
- You give your personal contact information to a company that sells, rents, or shares those details
- You check a “YES!” box indicating that you want to receive messages from a firm, its partners, or associated advertisers
- You click on a link on a related or unrelated email message
How Do I Stop Spam Emails?
If you’re like most people, you probably deal with hundreds of different companies each year. Any one of them has the opportunity to send you unwanted emails, this year or next, and that’s not even counting the spammers you don’t even know. Here are a few tips to prevent spam emails and stop any that are already coming in.
- Work with responsible and reputable lenders. If you take out a small cash advance, you need to know that you can trust the people who are giving you money.
- Investigate companies before giving them your contact details. Check out their reputations on complaint sites such as BBB.org.
- Uncheck opt-in boxes. These form options give permission for third parties to contact you.
- Enter a special email address. For instance, you can use a temporary or disposable email address for each loan application and that forward that email account to your main email account. Otherwise, you can set up one email for personal conversations and another one for shopping, subscriptions, finances, etc. The final option is to use a tracking email such as firstname.lastname@example.org. No matter what option you choose, make sure that the email address you enter is valid. This is where your loan contracts, approvals, and confirmations will be sent.
- Turn on a spam filter from your email provider or Internet Service Provider, ISP. These filters catch online spammers who send out mass emails.
- Never display images or click on links from a sender you do not recognize. Do not even click on unsubscribe links from these unknown email addresses.
- Forward spam emails to federal and state investigative agencies. In the United States, you can forward loan account spam to email@example.com, which goes to the Federal Trade Commission. Most states have their own spam reporting agencies.
For more help, read the article “How Can I Reduce the Amount of Spam I Get?“