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devy | 4 months ago
Yep. This is how the 3 major credit bureaus is the United States to verify your identity. Your residence history and your presences on the distributed Internet is the HARDES to fake.
devy | 4 months ago
Yep. This is how the 3 major credit bureaus is the United States to verify your identity. Your residence history and your presences on the distributed Internet is the HARDES to fake.
citizenpaul|4 months ago
I've found for the most part account age/usage is not considered at all in major online service providers.
I've straight up been told by Google, Ebay and Amazon that they do not care about account age/legitimacy/seasoning/usage at all and it is not even considered in various cases I've had with these companies.
They simply don't care about customers at all. They are only looking at various legal repercussions balanced against what makes them the most money and that is their real metric.
Ebay: Had a <30day old account make a dispute against me that I did not deliver a product that was over $200 when my account was in good standing for many years with zero disputes. Ebay told me to f-off, ebay rep said my account standing was not a consideration for judgement in the case.
Google: Corporate account in good standing for 8+ years, mid five figure monthly spending. One day locked the account for 32 days with no explanation or contact. At day 30 or so a CS rep in India told me they don't consider spending or account age in their mystery account lockout process.
Amazon: Do I even need to...
resize2996|4 months ago
I'm considering going back to school to write a "Google Fi 2016-2023: A Case Study in Enshittification" thesis but I'm not sure what academic discipline it fits under.
(I'll say it again for those in the back, if you're looking for ideas, there's arbitrage in service.)
flerchin|4 months ago
ljm|4 months ago
Instead you need: - five years of address history - a recent utility bill or a council tax bill that has your full address - maybe a bank statement - passport or driving license
It just so happens that Experian, etc. have all of that, and even background checking agencies will depend on it.
rjsw|4 months ago
Fokamul|4 months ago
cortesoft|4 months ago
Only if you don’t plan ahead. I can’t remember which book/movie/show it was from, but there was a character who spent decades building identities by registering for credit cards, signing up for services, signing leases, posting to social media, etc so that they could sell them in the future. Seems like it would be trivial to automate this for digital only things.
awesome_dude|4 months ago
https://en.wikipedia.org/wiki/Shelf_corporation
bluGill|4 months ago
There are probably more ways this can fail.
culll_kuprey|4 months ago
When I was 18 with little to no credit trying to do things. Financial institutions would often hit me with security questions like this.
But, I was incredibly confused because many of the questions had no valid answer. Somehow these institutions got the idea that I was my stepmother or something and started asking me about address and vehicles she owned before I ever knew her.
quirkot|4 months ago
megous|4 months ago
bryanrasmussen|4 months ago
bigiain|4 months ago
(Except maybe the sorts of idiots who write job descriptions requiring 10+years of experience with some tech that's only 2 years old, and the recruiters who blindly publish those job openings. "Mandatory requirements: 10+ years experience using ChatGPT. 5+ years experience deploying MCP servers.")
SoftTalker|4 months ago
Hikikomori|4 months ago