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by gonehome 2312 days 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

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/
2 comments
ouid 2312 days ago
>You can also do it for equifax, experian, and transunion.

what, precisely, are the implications of this?

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gonehome 2312 days ago
They 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.

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WrtCdEvrydy 2312 days ago
Reset your credit completely... in the eyes of the corporations, you don't exist.
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willis936 2312 days ago
I 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.
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jayd16 2312 days ago
No credit is already somewhat worse than bad credit so I don't quite see it as implausible.
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exclusiv 2311 days ago
Yep. 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.
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WrtCdEvrydy 2312 days ago
Well, 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.

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semerda 2311 days ago
What happens if they don’t reply or comply with the request? Is there a governing body an offender can be reported to?
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