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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
Wait, aren't you allowed to receive your salary in cash? As long as your employer deducts your income tax and social security contributions accordingly, there is nothing illegal about this procedure. It's uncommon for sure, but not impossible.
You can certainly be paid in cash legally. Finding an employer willing to do that, though, might be challenging. It would probably have to be retail or another business that regularly deals in cash.
You can pay employees with cash legally, but it's a royal PITA and OP would still be "in the system" so to speak via income taxes and the like. The not-so-legal method would be for an employer to operate a cash-heavy business in which they'd basically take cash from the till and hand it directly to the employee, not recording either the income to the business or the dispersement to the employee. The issue can be that if the business doesn't operate with much cash on hand, they'd have to basically withdraw it from the ATM to give to OP, but (depending on how the business is structured) it would likely count as a personal dispersement to the business owner that they'd be taxed on and they wouldn't be able to claim it as a business expense, unless they did some fuckery with their books and run the risk of getting nailed by the IRS.
The most common way for a an employer to pay in cash is through a check mailed to your address on record. That check can then be cashed either by the bank on the check, which is required to exchange the check for cash or a check cashing business which will take a fee for the service. Both ways will require identification.
The only other legal way is get a job with an employer who is willing to pay in cash, usually at a cashier window. Most common in labor jobs in the mining, manufacturing or agricultural fields, some higher education institutions, and occasionally in construction.
Otherwise you’ll have to go the illegal under the table route. Which is easier to find than you would think, there’s a whole lot of people avoiding wage garnishment and or immigration enforcement.
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.