[gruez]

>Why then do we not take income into account in credit worthiness? Why do I not periodically upload my W2 or tax return to the credit bureaus in order to show that yes, I'm credit-worthy because my income makes it possible to service my debt?

Is this supposed to be better? Right now I can apply and get credit cards without mailing my paystub. That actually seems better than companies having regular updates of my income, which they can use for evil marketing purposes.

[ballenf]

https://krebsonsecurity.com/2017/11/how-to-opt-out-of-equifa...

Your pay history is probably sent out to all your creditors, unless you've opted out.

[jedimastert]

Most credit cards adjust credit limits based on income levels

[sgerenser]

This is definitely true although 99% of the time they rely on self reported income. American Express is one exception that is known to occasionally “Financial Review” big spenders, asking the borrower to authorize release of their prior IRS tax transcripts.