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For those that are unaware, if you live in California the recently passed CCPA (California Consumer Privacy Act) gives you a lot of new power to force companies
by fossuser 7y ago
For those that are unaware, if you live in California the recently passed CCPA (California Consumer Privacy Act) gives you a lot of new power to force companies to delete your data and let you opt-out of them selling it.
For Comcast: https://www.xfinity.com/support/articles/ccpa https://www.xfinity.com/support/articles/ccpa
It's a little tedious since you have to do it with each company, but so far I've found that it largely works.
You can also do it for equifax, experian, and transunion (though when I tried equifax it was unsurprisingly broken).
You can either request the data they have on you, ask for it to be deleted (the parts they don't require for operation), or opt-out of resale.
This website [0] has a bunch of links to the CCPA pages for different companies. The better companies have enabled this ability for all users, but generally the companies you'd rather delete from have only enabled it for California.
[0] https://caprivacy.github.io/caprivacy/ https://caprivacy.github.io/caprivacy/
- ouid 7y ago>You can also do it for equifax, experian, and transunion. what, precisely, are the implications of this?
- fossuser 7y agoThey don't remove data related to your FICO score that they can legally keep for that purpose. They remove any other data about you that they collect and would otherwise 'anonymize' and sell. You can ask them to give you the data first before asking them to delete it if you're interested in what it specifically is.
- WrtCdEvrydy 7y agoReset your credit completely... in the eyes of the corporations, you don't exist.
- willis936 7y agoI simply do not believe that one piece of legislation could accomplish this. This is how money makes money. It will not stop for the law.
- WrtCdEvrydy 7y agoWell, your data is used for that model, and without the data, your credit can't be computed anymore. This has already happened with GDPR... remember the credit unions are private companies, not government outfits.
- jayd16 7y agoNo credit is already somewhat worse than bad credit so I don't quite see it as implausible.
- exclusiv 7y agoYep. I also heard a podcast about a woman who was born at home and never got a social security number. So to the government and to creditors she didn't exist and it was a nightmare for her to do anything financially that most people don't even think about.
- semerda 7y agoWhat happens if they don’t reply or comply with the request? Is there a governing body an offender can be reported to?