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?
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.
You can pay employees with cash legally, but it’s a royal PITA and OP would still be “in the system” so to speak via income taxes and the like. The not-so-legal method would be for an employer to operate a cash-heavy business in which they’d basically take cash from the till and hand it directly to the employee, not recording either the income to the business or the dispersement to the employee. The issue can be that if the business doesn’t operate with much cash on hand, they’d have to basically withdraw it from the ATM to give to OP, but (depending on how the business is structured) it would likely count as a personal dispersement to the business owner that they’d be taxed on and they wouldn’t be able to claim it as a business expense, unless they did some fuckery with their books and run the risk of getting nailed by the IRS.
The most common way for a an employer to pay in cash is through a check mailed to your address on record. That check can then be cashed either by the bank on the check, which is required to exchange the check for cash or a check cashing business which will take a fee for the service. Both ways will require identification.
The only other legal way is get a job with an employer who is willing to pay in cash, usually at a cashier window. Most common in labor jobs in the mining, manufacturing or agricultural fields, some higher education institutions, and occasionally in construction.
Otherwise you’ll have to go the illegal under the table route. Which is easier to find than you would think, there’s a whole lot of people avoiding wage garnishment and or immigration enforcement.
I’d add one tip- you can go to annual credit report.com and get a free report once a year.
The trick is to request just one per 4 months. First transunion or whoever, then experian, then Equifax, etc. No need to wait a year for a current report.
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.
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.
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.
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
