There is some 800 number you can call that opts you out of credit score-based advertising with all three big bureaus at once.

Watch out with balance transfers, too, because a lot of the time low APR offers still have a one-shot fee of ~3% of the transferred balance.

Of course, I'm sure you'll roll my eyes for saying this since you're in the land of the insane real estate prices, but rolling consumer debt into property debt is the best move in terms of raw numbers. (Assuming you're not going to default.)