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Joined 9 months ago
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Cake day: January 3rd, 2024

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    • The largest e-commerce platform in latin america and the most used in my country requires FR to use it.

    I minimize my use of the largest eCommerce platform in my country. It’s a pain, but it can be done, and I feel good about my money going to organizations that better match my values.

    • The bank is now pressing me to use their app with FR as a 2fa when using homebanking from its website, something that wasn’t necessary up to some weeks ago.

    Sounds like a great opportunity to check into joining a credit union. All banks are predatory. There’s lots of other great reasons to minimize your exposure to banks.

    • The telecoms demands FR from now on if you want a new SIM card in case you lost your phone or it’s been stolen.
    • The government is in the same direction as it’s moving to digitalizing many burocratic procedures and also requires FR.

    I imagine you may be stuck with these. Sometimes we can’t win them all.

    I wouldn’t take that as a reason to give up. Having your face on file in fewer places is very lively to save you future headaches.

    Ideally this will be less of a concern in the future, when the vast majority of organizations no longer have utter shit for Cybersecurity.

    But that day is not today.








  • Uh… I’m a patriot.

    I fully support my country in every meaningful way, especially those ways that might otherwise make my billionaire overlords feel threatened enough to put a hit out on me.

    More seriously, my neighbors are, on average, fantastic people, that deserve my support.

    Edit: To be clear, I fully agree that this should piss us all off.


  • Generally they need all of your personal information (Full Name, Date of Birth and SSN - which costs them 25 cents or less on the dark web), plus your username and password that you create when you first visit each site. (Which hopefully isn’t on the dark web, because it’s new and unique.)

    The new username and password that you create are what give some security.

    And a warning, only because someone reading along will need it:

    don’t re-use a password used elsewhere.

    Re-used passwords, from past data breaches, paired nicely with email addresses and full names, also cost about 25 cents on the dark web.



  • What does freezing your credit do, exactly?

    It prevents opening new credit cards or other lines of credit in your name.

    The reason this matters is lots of fraudsters are using names and SSNs they bought on the dark web, to open credit cards they have no intention of paying back.

    If you’re an American, your name and SSN combination is almost certainly for sale for about 25 cents, on the dark web, today.

    Freezing your credit at all three agencies is the only effective prevention, today.

    The credit agencies will attempt to charge you a monthly fee for the privilege, but don’t fall for it. They’re legally required to provide the service for free.

    If I’m ever a juror on a murder trial where the “victim” worked in leadership at one of the big three credit agencies, I’ll have to admit that I couldn’t possibly convict someone for that.

    Is this still something someone should do if they don’t even have any credit cards?

    Yes. Absolutely. Being a victim of credit fraud can make it impossible to get a home mortgage, or even get certain jobs or apartments. It can be incredibly difficult and expensive to clean up, and the burden is largely left entirely on the victim.