Privacy

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A place to discuss privacy and freedom in the digital world.

Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.

In this community everyone is welcome to post links and discuss topics related to privacy.

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If you have a question, please try searching for previous discussions, maybe it has already been answered
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can I opt out of credit agencies? (reddthat.com)

submitted 4 days ago by [email protected] to c/[email protected]

30 comments fedilink hide all child comments

I never asked for a credit score. I don't use credit. They have made it very clear breach sfter breach that I don't want them to have my data. How do I remove myself from credit data agencies?

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[–] [email protected] 2 points 3 days ago* (last edited 3 days ago)

Well, as you may be aware, banks like getting money.

Taking money from their customers through banking fees and interest on both deposits and loans isn't enough for the banks and credit card issuers. So they sell credit card and loan usage information to whoever will pay for it, and these credit monitoring companies will, to keep a file on you (tied to your SSN/SIN). They know how many loan accounts and how long you've had them for, how often you pay your loan bill on time vs. not, what % of your credit limit you tend to use each month, and when you go shopping for new loans (since loan agencies will request your file from them to determine whether you are trustworthy enough).