Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. To sign up and "opt out" go to: optoutprescreen.com.
How you use your credit will be recorded in a credit history (report) with a score. Your credit score gives a creditor an idea of how risky it is to extend credit to you and how likely it is that you will pay your debt obligation. From your credit score, creditors are also able to determine how much interest to charge you.