• 2 Posts
  • 11 Comments
Joined 11 months ago
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Cake day: November 30th, 2023

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  • For privacy.com:

    • great for anyone in the USA
    • don’t worry about difficult subscription cancellations again, just turn that one’s dedicated card off
    • I have personally blown past the daily spend limit of 250$ without issue, idk if that limit is real. The 1000$/mo may be though I’ve never hit that.
    • I’ve used privacy.com for everything from Amazon to car insurance to gym memberships.

    On credit freezes:

    • a freeze means that your consumer report will not be shared, which means applications for credit in your name will be denied
    • all USA consumer reporting agencies (data brokers) are legally required to freeze sharing of your reports for free upon your request
    • you can temporarily unfreeze when you get a new credit card, apply for rental property, etc.
    • don’t let them upsell it or try to direct you to another page with similar language, it is free
    • credit monitoring products need to request your report to see if any new accounts have opened. Don’t monitor it, prevent it by freezing the reports
    • freezes are required for any data broker, not just credit. This includes LexisNexis (job history), and presumably the ones that do rental and vehicle ownership history though i don’t know their names.