TIL in the US banks often share every transaction you make with third party credit reporting services (not the big three, ones dedicated to checking/savings account credit risk). You can view the report under the FCRA, but anyone can access your report (as long as they promise itâs to âprovide services to youâ).
Worse, even if your bank doesnât, *other* banks will report that they did a transaction against your account!
Fucked.
Also in the guise of âyour money/transactionsâ.
They seeing a whole lot of nothing in my bank account.
card purchases often attach full itemization. it's only financially beneficial in certain circumstances, but the merchant doesn't have enough information to know when that is
To my knowledge card purchase data (on an individualized level) isnât sold to data brokers or even reported to credit bureaus. Aggregated and (barely) anonymized? Sure. The ability to request a full list of transactions someone does with just their social? This is a totally different level of crazy.
wtf?!
Total scam
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