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Joined 1 year ago
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Cake day: June 15th, 2023

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  • There are 3 major credit reporting bureaus in the US which take reports on every American’s credit worthiness. Every time an American makes a payment, that information makes it to the bureaus. And before a new account is opened, a lender will ask the bureaus for a copy of that person’s report.

    When someone locks their credit file, they instruct the credit bureaus to not send those credit reports to lenders, which will prevent the lender from issuing the loan. They do it when they know that they will not apply for a loan, be cause it prevents fraudulent loans from being opened in their name.

    A common practice of identity thieves here is to open up a bunch of new credit cards or other loans in other people’s names, and run up the charges before that person finds out about the account and has it closed.

    Chexsystems is a special case, I know them as a clearinghouse to report people who write bad checks. But people are using checks less and less these days.












  • Keep pushing with the relevant authorities. There is a difference between “We are not intentionally restoring comments” and “We certify that we have forgotten all of your info”, and that’s what these authorities enforce.

    It doesn’t matter if Reddit’s inscrutable back end makes it difficult. That’s Reddit’s problem, not yours. If they want to do business in the EU, they either have to comply or pull a Meta and stop serving EU residents entirely.

    They had a third option, to treat their users as human beings and not dumb fucks to exploit until they want to leave (and forget they ever went there), but they declined to use it.



  • Some Redditors actually have some experience with this, because some subreddits award Community Points which are really crypto tokens based on karma. I earned enough shitposting last year that I had to figure out how to properly declare it on my taxes.

    While it increased traffic, most of the increased traffic were low effort posts and the same old jokes farmed for Karma. I think there were even more bots there, too. Real discussion sometimes got upvoted, but a well-timed Elon Musk joke could earn $20 or so

    If something similar is implemented site-wide, this (in conjunction with the API changes that hinder moderation) will no doubt result in an influx of bots mining memes for cash.

    Now that I quit Reddit, I need to figure out how to sell those now.


  • So, the article isn’t exactly FUD, all the things they say about how posts migrate are true. Once I hit “post” here, these words get sucked into this server, and then get sucked into other Fediverse servers. If you believe in the “right to be forgotten”, then this is indeed a nightmare, since you don’t really know all the places your post goes and can never really be certain you’ve deleted it everywhere, should you want to. And they are right that there is no real “vetting” of any entity here. Anyone can make a server for any reason. In fact, there is no reason to believe that Threads is Meta’s first Fediverse service, they may have been running others to learn about the protocol, hoovering up the data, and we would never know.

    But where the article misleads is that the devs understood this, and have structured federation to leak as little information as possible. Your post is public, of course, as is your username. But when your post gets copied to other federated servers, it is not tracking you at all. As I understand it, all the assets of your post get physically copied to the federation server, so key Metadata for tracking (like IP address) stay on the source server.

    The insidious thing about Facebook isn’t that they let people post publically, it’s all the tracking that is built in, that sucks in information from your phone or browser that you don’t know you are leaking. The Fediverse is much more transparent about this. It is oversharing precisely the things that participants want to share, and nothing more.