Note that this may make major purchases more complex in the future. You may not remember to opt back in to the "service" a certain number of months before you

Note that this may make major purchases more complex in the future. You may not remember to opt back in to the "service" a certain number of months before you buy a car, for example. Then you're stuck either paying a higher interest rate because the lender sees you as riskier without a trusted method of verifying income, or you have to do a bunch of paperwork with the seller or finance company may or may not be willing to deal with.