Question is what are the loop-holes available for the databrokers to ignore data deletion requests?
California passes bill to make it easier to delete data from data brokers
51–60 of 154 posts
Re: California passes bill to make it easier to delete data from data brokers
#52Very few things I'm jealous of in blue states, but their online privacy protection is up there. I've pondered why no party has made this a major priority, but the reality is the vast majority of Americans simply don't care.
I would love to tell these big tech companies I want all traces of myself removed from their search engines. I understand it gets a bit nuanced with first amendment n such (what about a news article of me committing "x crime"), but give citizens SOME protection. At least Europe tries and pushes back.
Re: California passes bill to make it easier to delete data from data brokers
#53Earlier quoted context omitted.
> credit scores are complete bullshit You can also juice it up or down by over a hundred points by accumulating and then rapidly paying down balances.
> juice it up or down So what here determines if the score goes up instead of down? I’m planning on getting a mortgage soon but wife’s credit score is in high 600s. If we can make it past, 720, we are told we’ll get a better rate. So I’m curious as to how to bump up the score.
There's lots of articles everywhere, but the basics are: make sure everything is paid on time; if you have any earned negative items, see if you can get them removed by asking nicely etc.
Then there's things like age of oldest account, average age of accounts, etc. You may be able to add her to your accounts to improve this factor, if your accounts are older than hers.
Then balances. You get dinged for having a balance on too many accounts. I think you also get dinged for having zero balance everywhere. I think 'ideal' is 3ish cards with balances (you can (and should) pay the whole balance every statement, reporting is usually done just after the statements). Highest ever balance should be less than credit available or you get dinged; ask for credit increases on cards where you ever went over the limit. Total balance shouldn't be more than some % of total credit, I think 35%? You also get dinged for high % current balance on any one card. Again, you can add her on high limit, low usage cards to help her score. She'll get more score points as a joint account holder than an authorizer card holder.
You get dinged for recent (6 month?) credit inquiries, but inquiries are grouped, so if you apply for new credit, try to get it all done in a few days; mortgage inquiries have longer to be grouped.
If you know when your creditors do reporting, you can adjust your payment dates to tweak things. You might make a payment to your credit card before the statement closes even in order to show a lower utilization % and that could move your score a lot depending on details.
Re: California passes bill to make it easier to delete data from data brokers
#54Very few things I'm jealous of in blue states, but their online privacy protection is up there. I've pondered why no party has made this a major priority, but the reality is the vast majority of Americans simply don't care. I would love to tell these big tech companies I want all traces of myself removed from their search engines. I understand it gets a bit nuanced with first amendment n such (what about a news artic…
I'm in California - reality is even with this stuff it's hard. I'd say maybe 20% companies you send CCPA request emails to don't know what to do, have broken forms, etc. It does work probably 80% of the time though.
I also use this which seems to work, but it's hard to know how effective it is really: https://joindeleteme.com/
Re: California passes bill to make it easier to delete data from data brokers
#55Earlier quoted context omitted.
> credit scores are complete bullshit You can also juice it up or down by over a hundred points by accumulating and then rapidly paying down balances.
> juice it up or down So what here determines if the score goes up instead of down? I’m planning on getting a mortgage soon but wife’s credit score is in high 600s. If we can make it past, 720, we are told we’ll get a better rate. So I’m curious as to how to bump up the score.
There are communities where you can rent someone else's credit score as an authorized user.
Re: California passes bill to make it easier to delete data from data brokers
#56Very few things I'm jealous of in blue states, but their online privacy protection is up there. I've pondered why no party has made this a major priority, but the reality is the vast majority of Americans simply don't care. I would love to tell these big tech companies I want all traces of myself removed from their search engines. I understand it gets a bit nuanced with first amendment n such (what about a news artic…
I'd wager that lobbyist$ play a larger role than citizen apathy for the lack of legislation.
Re: California passes bill to make it easier to delete data from data brokers
#57Very few things I'm jealous of in blue states, but their online privacy protection is up there. I've pondered why no party has made this a major priority, but the reality is the vast majority of Americans simply don't care. I would love to tell these big tech companies I want all traces of myself removed from their search engines. I understand it gets a bit nuanced with first amendment n such (what about a news artic…
I'm in California - reality is even with this stuff it's hard. I'd say maybe 20% companies you send CCPA request emails to don't know what to do, have broken forms, etc. It does work probably 80% of the time though. I also use this which seems to work, but it's hard to know how effective it is really: https://joindeleteme.com/
[deleted]
Re: California passes bill to make it easier to delete data from data brokers
#58Earlier quoted context omitted.
They don’t sell your data.
They don't sell your data TODAY. Who knows what they'd sell if their business declined for a while and there was a hostile takeover or they otherwise got desperate for new revenue streams. And then if you were paying attention you could make a new one of these requests... but maybe you'd miss it for a bit, and then it would be too late. The law should be based on what you collect instead of what you sell to better pr…
Thats not relevant of what they could do. This laws covers what you are doing and applies to entities selling your data. Big ad players don't sell their data because that is their secret sauce in ad targeting.
Companies selling your data are your bank(credit card purchases), mobile carriers(location), your DMV(photos, driving record, misc PII including address, dob etc), state/county government(public records like marriage licenses). Its weird everyone bashes on google and FB for something they don't even do.
Re: California passes bill to make it easier to delete data from data brokers
#59Earlier quoted context omitted.
> No “call us” or “send a registered letter during a full moon and low tide only” nonsense. It’s really great. I am very skeptical even this is as great as some think. Outside CA, most companies can simply ignore these "viral" style laws with no consequences.
As another Californian, I'd love examples of where this is ignored, or where non-californians also benefit from these. I also gladly unsubscribe easily without frustration - just not sure if this is common in other states.
How about a concrete example of a big business that did not allow you to cancel online prior to this law?
Netflix? Nope. Comcast? Nope. Google? Nope. Verizon? Nope. AT&T? Nope. Apple? Nope. PG&E? Nope...
Where is this mythical renaissance of new online cancellations?
Turns out - most big businesses did this already... oh, but now it's the law but who's enforcing? Lawyers who gain private settlements? That's not enforcement, that's a racket.
Re: California passes bill to make it easier to delete data from data brokers
#60Earlier quoted context omitted.
Overwhelming majority of those things you listed could already be cancelled online. You can read the laws yourself. There's not a lot of teeth for small businesses to comply. Go look at the state AG website for P65 complaints (they are all by law published). 99% are privately settled without wrongdoing (you can see this on AG website too), and some fee is paid to the plaintiff's attorneys. Sometimes the math says it'…
Why are you conflating right-to-unsubscribe with P65? They are different laws with different enforcement mechanisms. Also consumers don't find P65 useful whereas we see benefit from unsubscribing.
The point was we have these sort of consumer protection laws and nothing has changed. The enforcement mechanisms are weak and designed to make lawyers money more than actually gain compliance.
Given the decades of P65 enforcement - and given the prevalence of "harmful" chemicals imported into this state every day, we have no reason to believe this unsubscribe law will be any different.
Having this law makes people feel like something was accomplished, despite reality.