this post was submitted on 30 Aug 2024
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urbanism
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Your mortgage broker and realtor in a race to sell every scrap of PII they have about you to every scammer under the sun
Just purchased a house, I totally believe this is happening now.
Our info is so insecure that the public records associated with recording a deed are more than enough for the floodgates to open up.
Makes me want to start an anarchist commune with no electricity.
I have a certain set of skills.... just sayin.
You can literally pull up every bit of information you need on someone directly in a map on a county portal if they own a home.
Including all publicly filed documents like divorce, alimony, marriage, etc.
It's nice that there's some amount of public information, but it sucks that it's basically just normal people because the rich don't have to put PII on their filings and can use fake companies.
Public records are good, being able to buy any individual's cell phone number and email and incessantly marketing to them just from knowing their name is bad.
Some stuff might be publicly available because FOIA and "Sunshine Laws" (is that a term used outside of Florida?) are mostly about ruining all privacy.
You can google my name (Somewhat unique, at least in America) and see exactly where I used to live and my party affiliation because some boomer takes all the voter registration records and makes them public and google indexed.
I never understood why it’s so public. Why does everyone in the world need to be able to lookup my address just cuz I own it?
Oh, this 100% happens. I've been getting texts and calls fopre-approval about 6 different area codes since applying for preapproval.
Once you complete the purchase you will start getting fake letters about you already being delinquent on your mortgage lol.
Good luck all the same though!
Oof, thanks for the heads up!
No problem! While I'm at it, I should also warn you that your mortgage will probably be sold off to another lender almost immediately. So, one of those letters wont be fake, it will be a notification of the mortgage changing hands.
It's such a sham of a process, but good luck, it's worth it to own your own 4 walls.