Clark wants to share a “free insurance policy” that will help you protect your credit. It involves opting out of those pre-approved credit offers. Best of all, it’s free, simple, fast and efficient. You can eliminate more than 90 percent of those pesky offers you’re being bombarded with if your FICO score is 700 or above.

Simply go to OptOutPreScreen.com or call 888-567-8688. Be aware that you’ll be required to give your Social Security number. That’s how credit bureaus track people, so it’s a necessary part of the process. Opting out of these offers is especially important if you move and your mail goes to an old address, or if you have a jointly shared mailbox.

Meanwhile, you also can eliminate other kinds of junk mail for free at DMAChoice.org. In fact, you can even choose to get more junk mail if you want! But who would want that?

Finally, there’s a site in beta that can help cut down on the number of catalogs you receive. The address is CatalogChoice.org, though Clark’s not exactly sure how well the system is working yet.