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 post was submitted on 23 Sep 2024
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Privacy
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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.
I'm constantly having identity theft issues since a data breach at work. It changes you. Going to the IRS building constantly. Getting notifications from a credit monitoring sites. It's ridiculous how much time I need to prove I am myself just to pay my own taxes.
That really sucks. I can't imagine the stress you must be feeling. I hope things level out for you soon. Hang in there.
and they do so legally,
the problem lies right there
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.
doesnt the UK still have the big Credit Agencies and do the same thing?
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
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.
I don't think you can. A credit score and a credit report is what companies use to determine if you can get credit from them and at what terms.
If you are in the USA, freeze your credit. So many data breaches happen to millions of people regularly. Be safe.
The best you can do is freeze them, you just have to do each on separate on their respective websites.
Did
Where do you live?
Usa
If you have a SSN, you have a number.
Well I totally get this entire system is mismanaged horribly designed from the start not even designed for this from the start, exetera....
Having some kind of standardized way of stating someone else's trustworthiness when it comes to money lending it's something that's just inherit to capitalism as long as you have capitalism simple as that, even if they don't call it a credit score.