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can I opt out of credit agencies?
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this post was submitted on 23 Sep 2024
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Privacy
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Assuming you live in the USA.
Short answer:: No.
Long answer:: yes but you’re basically living as a criminal, rather— you’d have no bank accounts; no credit cards; and you’d live on cash alone paying no taxes as you’d have to work under the table ( no one messes with the IRS). — or— leave the USA and do the above…
So if you want any kind of “modern life “ put a freeze on all your credit accounts and check them annually
I'd add one tip- you can go to annual credit report.com and get a free report once a year.
The trick is to request just one per 4 months. First transunion or whoever, then experian, then Equifax, etc. No need to wait a year for a current report.