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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I never asked for a credit score.
Unfortunately the credit agencies don’t have much reason to care what you want. There are people with money who asked for everybody to have a credit score
In a general sense, you are discussing a way to control other people and organizations, and to make them stop talking about you. (Communicating and storing your information) This isn’t always possible or practical.
If you pay a merchant with your payment card, that merchant is allowed to know your payment card number. If you call a toll free number, the recipient of your call is allowed to know your phone number.
If they decide to share what they learn about you, and they do so legally, there’s not a whole lot you can do to stop them. I’m not saying this to antagonize or hurt you. I invite you to think differently about what you can control and what is worth worrying about.
and they do so legally,
the problem lies right there
Assuming you live in the USA.
Short answer:: No.
Long answer:: yes but you’re basically living as a criminal, rather— you’d have no bank accounts; no credit cards; and you’d live on cash alone paying no taxes as you’d have to work under the table ( no one messes with the IRS). — or— leave the USA and do the above…
So if you want any kind of “modern life “ put a freeze on all your credit accounts and check them annually
Wait, aren’t you allowed to receive your salary in cash? As long as your employer deducts your income tax and social security contributions accordingly, there is nothing illegal about this procedure. It’s uncommon for sure, but not impossible.
You can certainly be paid in cash legally. Finding an employer willing to do that, though, might be challenging. It would probably have to be retail or another business that regularly deals in cash.
It’s not just a breach you have to worry about. Credit agencies actively monetize your financial data by selling it to anyone who wants it. You didn’t give it to them, you didn’t authorize it, they collect it and they sell it.
This is the result of having too many “nothing to hide” idiots.
They are all meaning to say “not my problem”, but all they’re doing is create problems for themselves and their kids. They only notice, as always with privacy, when it’s entirely too late.
It’s quite easy to get rid of all that crap: just come living in the EU
Sadly, no. Germany for example has the SCHUFA which is basically the equivalent of the Chinese social score nowadays
It is not. Saying so, reduces the intrusiveness and carelessness of the american system and absolute insanity of the chinese scoring system.
The SCHUFA is a problematic institution for sure, but saying it’s equivalent to the chinese scoring system just shows that you don’t know what you are talking about.
how do credit agencies even work? what data do they collect and how?
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).
