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Data Broker Opt-Out List

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Re: Data Broker Opt-Out List

#21

Post by wavesounds »

ekianjo wrote: post #18
boxed wrote: post #17

Earlier quoted context omitted.

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…

The Financial Crisis Inquiry Commission (FCIC) tasked with investigating the causes of the crisis reported in January 2011 that: "We had a 21st-century financial system with 19th-century safeguards.

The FCIC placed significant blame for the crisis on deregulation, reporting: "We conclude widespread failures in financial regulation and supervision proved devastating to the stability of the nation’s financial markets. The sentries were not at their posts, in no small part due to the widely accepted faith in the self-correcting nature of the markets and the ability of financial institutions to effectively police themselves."

https://en.wikipedia.org/wiki/Government_policies_and_the_su...

Re: Data Broker Opt-Out List

#23

Post by boxed »

ekianjo wrote: post #18
boxed wrote: post #17

Earlier quoted context omitted.

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…

> That's not deregulation, that's a problem with how these government agencies actually functioned.

Well sort of yes. But that's first order thinking. The underlying engine that drove those institutions to failure was the deregulation of the banks.

Re: Data Broker Opt-Out List

#24

Post by sircastor »

zxcvbn4038 wrote: post #6

I’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.

This seems mildly dangerous to me for the simple reason that if you need to prove your identity to these places they’re reliant on this information... I’m thinking of when I get my free credit report yearly. Trying to track real addresses I used to live at as well as fake ones seems challenging.

Re: Data Broker Opt-Out List

#26

Post by greesil »

ekianjo wrote: post #18
boxed wrote: post #17

Earlier quoted context omitted.

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…

There were multiple things that went wrong, and it's extremely disingenuous to put the majority of the blame on Greenspan, Freddie/Fannie. Private risk assessment failed utterly, see Moody's. CDS allowed for infinite leverage, securitization allowed hiding of risk. These originated with private actors, and infected the system with toxic assets.

Re: Data Broker Opt-Out List

#27

Post by bosswipe »

ekianjo wrote: post #18
boxed wrote: post #17

Earlier quoted context omitted.

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…

That's the narrative that one side of the ideogical divide went with. The other side blamed deregulation such as the removal of Glass-Steagal

Re: Data Broker Opt-Out List

#28

Post by nitrohorse »

jonahx wrote: post #4

Are there any paid services that will do the work to opt you out of all of these?

DeleteMe [1] from Abine [2] comes to mind.

> We monitor each data broker website for your personal information every three months, providing you with four DeleteMe Privacy Reports per year. [3]

[1] https://joindeleteme.com/

[2] https://abine.com/

[3] https://joindeleteme.com/help/kb/monitor-my-info/

Re: Data Broker Opt-Out List

#29

Post by zxcvbn4038 »

sircastor wrote: post #24
zxcvbn4038 wrote: post #6

I’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.

This seems mildly dangerous to me for the simple reason that if you need to prove your identity to these places they’re reliant on this information... I’m thinking of when I get my free credit report yearly. Trying to track real addresses I used to live at as well as fake ones seems challenging.

All you need is a passport or driver’s license and a utility bill with current address dated within 60 days. Most of the time the utility bill can be a “photocopy” and you just change the date or address to what you need. DMV is about the only place that needs an original document and will be familiar with what bills from your area look and feel like (because they most likely live nearby also and routinely handle documents from people in the same area as you).

Re: Data Broker Opt-Out List

#30

Post by axaxs »

If anyone cares, there are a nontrivial amount of companies who have your 'private' LinkedIn info. I don't know if they make fake accounts to friend you, recruiter profiles, or buy it from LinkedIn. I asked one to please remove my info, and they sent me a CCPA form. I told them I didn't live in California, and an agent acted confused and told me to just fill it out, it's the only way to remove it. In short, don't trust LinkedIn.
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