Can you opt out of credit scoring?

You cannot completely opt out of credit scoring, as credit reporting agencies use your financial behavior to generate scores that are integral to lending decisions. However, you can choose not to have your credit report accessed by certain lenders, such as by opting out of pre-approved credit offers. Additionally, you can restrict access to your credit report by placing a credit freeze or fraud alert. Keep in mind that opting out of certain services may limit your access to credit options.