Pardon my ignorance,is this US specific (or mostly US)? Why is this stuff allowed?
Data Broker Opt-Out List
11–20 of 167 posts
Re: Data Broker Opt-Out List
#12By opting out sometimes you have to provide them with even more information than what they initially had.
That's my concern. Some of them seem very sketchy.
Re: Data Broker Opt-Out List
#13Re: Data Broker Opt-Out List
#14I’ve been through most of these and removing yourself really can be done. In many cases the removal is considered temporary and you have to repeat every four to ten years. It’s not possible to get off of the skip trace and debt collectors databases run by Transunion, Experian, and others - but you can flood them with false information and they will record it and keep it forever.
I'd love to know what kind of false information you're enjoying sending them, and how!
- Fill out surveys at malls with your name and either a phone number or address that matches one currently in your credit file and you can supply false info for the the opposite.
- Put in a mail forwarding card with your name from a former address to a random real address like a Starbucks, Taco Bell, apartment complex w/o unit number, etc.
- Change the billing address of a credit card or utility and allow to sit for one billing cycle. Works best if you have e-statements. They will send a physical confirmation to the address and it will most likely go in the trash but not guaranteed.
- once a quarter you can update your information with the credit bureaus and they will Happily record it. Later you can say you never lived there and they will remove the info - but only from the databases used in credit decisions
These are the ones most effective because there is almost no filtering, just a bunch of automated processes collecting and distributing. Just make sure there are one or two “facts” that the data quality algorithms can use to link your “new” data with existing profiles.
Re: Data Broker Opt-Out List
#15Pardon my ignorance,is this US specific (or mostly US)? Why is this stuff allowed?
Welcome to the United States of America, baBY! WOO Freedom!
Re: Data Broker Opt-Out List
#16I’ve been through most of these and removing yourself really can be done. In many cases the removal is considered temporary and you have to repeat every four to ten years. It’s not possible to get off of the skip trace and debt collectors databases run by Transunion, Experian, and others - but you can flood them with false information and they will record it and keep it forever.
I'd love to know what kind of false information you're enjoying sending them, and how!
[deleted]
Re: Data Broker Opt-Out List
#17Pardon my ignorance,is this US specific (or mostly US)? Why is this stuff allowed?
The US has been dismantling the rule of law for decades. They call it "deregulation". It lead directly to the last big financial crash, and it also is largely responsible for predatory schools, prisons, universities, banks, and much more.
Re: Data Broker Opt-Out List
#18Pardon my ignorance,is this US specific (or mostly US)? Why is this stuff allowed?
The US has been dismantling the rule of law for decades. They call it "deregulation". It lead directly to the last big financial crash, and it also is largely responsible for predatory schools, prisons, universities, banks, and much more.
> It lead directly to the last big financial crash,
Erm no. 2008 was directly linked to Greenspan (Fed), Freddie Mac (Federal) and Fannie Mae (Federal), all government run entities, which stopped making proper risk evaluation when issuing loans. That's not deregulation, that's a problem with how these government agencies actually functioned.
https://www.fool.com/investing/dividends-income/2008/09/10/t...
> If not the boldest of the group, then at least the most public, Greenspan, the man many are now blaming for the housing bubble (there were a brave few that piped up years ago), has refused to go quietly into his well-padded retirement. The man charged with providing the country with a financial voice of reason fell far short, so much so that it might be comical if it weren't so tragic.
> Greenspan's denial of the possibility of a housing bubble has been widely derided in the past year, but a single statement could be excused as human error. However, a quick scan shows that this wasn't a single event. He also promoted the adoption and expansion of adjustable-rate mortgage (ARM) products in early 2004, when short-term rates were at or near historic lows. That same year he claimed, "securitization by Fannie and Freddie allows mortgage originators to separate themselves from almost all aspects of risk associated with mortgage lending." And separate themselves they did, ceasing to perform any kind of due diligence as to the ability of borrowers to pay for the homes they were buying.
Re: Data Broker Opt-Out List
#19Pardon my ignorance,is this US specific (or mostly US)? Why is this stuff allowed?
Do you mean why can the government force enterprises to delete data they own due to opt-out requests?
It's a mystery to me.
Most HN commenters constantly whine how "data wants to be free" (no IP, no patents, no copyrights...), but when it comes to their own data they act like crony capitalilsts of the worst order and want to enlist the State to help them ensure exclusive, monopolistic rights to that data.
Make up your mind, busybodies!
Re: Data Broker Opt-Out List
#20Earlier quoted context omitted.
I'd love a privacy union. So much that I could see letting it make decisions for me until I naturally worried about the privacy implications
Not Political but, Andrew Yang is working for privacy.
For those interested, see Yang's Data Dividend Project [0]. Just reading the fine print will give you legal insight into what you can and cannot do in the US.