Separate business loan ads from lender correspondence

Keep a simple log of loan offers that records only the sender and the type of solicitation, and keep it apart from letters about a loan, application or account you actually have. The log never needs account numbers or tax documents.

Build the sender log

  1. Sort loan mail into two piles: general offers, and anything that refers to an existing account or application.
  2. Leave the second pile with your finance records. Do not log or photograph it.
  3. For each offer, write the sender name, the product named, such as a line of credit or equipment financing, and the mailing name as printed.
  4. Check the sender's official website for a contact route for mailed marketing. Confirm that an option exists rather than assuming it does.
  5. Send a marketing-only request to each sender you want to stop, and note the date.

When the sender is your own lender

Your current lender may send both account letters and loan advertising. You can still ask it to stop the advertising. Say the request covers marketing only and that account correspondence should continue.

Lenders and brokers may mail under different names, and an offer can resemble a notice about an application. If a letter asks for payment or a reply by a date, check it against your approved records before acting, and keep it out of the log.

Private loan-offer log

Example for your own use. Replace the bracketed details and review what you share.

Date received: [date] Sender name: [name as printed] Product or offer type: [line of credit, equipment financing or other] Name and address as printed: [mailing name and address] Current lender: [yes or no] Official contact route found: [yes or no, and where] Request sent: [date] Notes on repeats: [new name variant or repeat date]

Use the log for follow-ups

When a new offer arrives, compare its sender and mailing name with earlier entries. If a sender you already wrote to mails again, send a follow-up citing your original request date and any new name variant.

Official sources

Have an unwanted advertisement ready?

Photograph one piece you are authorized to handle, with the sender and full mailing label visible. Review the details before submitting. The first request is free; the sender controls the response.

Try one request free