Look at the hurdles that must be cleared to opt-out.
There should be one standardized form (post card) saying do not report my credit history and do not bother me again.
“Look at the hurdles that must be cleared to opt-out.”
It’s long overdue for Congress to pass a law restricting SSN for I.R.S. use only.
ONLY. No medical, no credit, no nothing.
I have a credit freeze in place with the big 3, as well as a couple of other agencies.
Good info here => https://www.bogleheads.org/wiki/Credit_freeze