A community for Lemmy users interested in privacy
Rules:
$30 a month? What the subscription hellscape is this?
And you only get a single quarterly credit report for all that? For that amount of money I'd expect to be able to have my credit score beamed directly into my brain on demand.
They're already taking and selling our data and want us to pay them for it. Zenithar smite them.
Not to mention, effectively every single person with a credit score was compromised in 2017's Equifax breach
I assume the paying is to compensate for not taking your data. No reason to stay with the platform otherwise.
Oh no they're definitely still taking your data. They're the credit bureau after all, data brokering your data makes them money. They just want you to pay extra for some added, totally not worth it services.
We can't opt out of them collecting our credit information to begin with.
That’s just the normal page they redirect to after login. Shameless indeed.
I was gonna say I feel like it always did that. Not that it makes it any better.
I'm not sure if knowing this makes me feel better or worse.
What kind of service is that, I.e. what are they selling or offering?
Experian are a credit reference agency. They give you a little score that lets other creditors know whether you’re a good risk for lending money too, getting a credit card, mortgage, etc.
And you actually have to pay to learn about your own credit rating?
You can get a paper report for close to free still I believe. Equifax and Experian charge a monthly fee. I just use ClearScore which is free and shows all your credit outgoings, debts, account, defaults, county court judgments, and a score.
I imagine companies that use them to check potential customers pay a fee.
Also, you can freeze your credit so that nobody can open lines of credit in your name without unfreezing it