Article 43

 

Sunday, September 05, 2004

Welcome

Welcome to article43.com - a memorial to the layed off workers of (PRE SBC MERGER) AT&T, and the disappearing MIDDLE CLASS citizens of America.  It is NOT endorsed or affiliated with AT&T or the CWA in any way.

This sticky post was written the day we appeared on the internet in 2004.

In addition to INFORMATION, resources and opinion for former AT&T workers DEALING WITH the EFFECTS OF LAYOFF and looking for meaningful employment, some articles here are meant to bring into awareness the LARGER PICTURE of corporate dominance of the UNITED STATES’ political and economic policies which brazenly DISREGARDS, disrespects and EXPLOITS worker, citizen and HUMAN RIGHTS under masks like FREE TRADE and the PATRIOT ACT - resulting in a return to a society of very rich and very poor dominated by a few very rich and powerful - whose voices are anything but - for the people. If left UNCHALLENGED, the self-serving interests of those in control may result in the end of DEMOCRACY, the end of the middle class, irreversible ENVIRONMENTAL damage to the planet, and widespread global poverty brought on by exploitation and supression of the voices of common people EVERYWHERE, while the United States turns into a REINCARNATION of the ROMAN EMPIRE.  Author Thom Hartmann shares some history and outlines some basic steps to return our country to “The People” in his two articles TEN STEPS TO RETURN TO DEMOCRACY and SAVING THE MIDDLE CLASS. I support CERNIG’S idea for a new POLITICAL MOVEMENT - if not a revolution to cleanse our country of the filth ruling it - as we EVOLVE into a GLOBAL community - assuming we learn the THE LESSONS OF OUR TIME and don’t DESTROY CIVILIZATION first.

Everything here can be viewed anonymously.  Inserting or commenting on articles requires a free user account (for former AT&T employees with a real, non throw-away, email address.) Requests to the new user registration page are redirected to BLOGGED DOT COM’S site because most new signups I get are from COMMENT SPAMMERS and their ilk, so if you want to contribute, contact me through email, phone, or some other way.

There’s no third-party scripts here like privacy-eroding WEB COUNTERS, hidden datamining widgets like Pay-Pal donation boxes, or AMAZON DOT COM tracking stuff.  The RSS feeds are pulled by the server, and have no relation to anything you may be doing here.  Standard Apache WEB LOGS of info like IP, and pages visited are rotated every few days, and used internally to check the web server’s performance.  Logs of suspicious activity may be shared with law enforcement, or other ISPs, to deal with troublemakers.  Nothing here is for sale, and donations are not solicited.

If you get an email that claims to be from somebody here that’s anything but a request to post your article, or report suspicious activity (like logs sent to an ISP to report an attack) - it’s SPAM. I do not, and will not - ever - join the junk mail sender community. There are no mechanisms to prevent anyone from forging anyone elses email address in a “from” or “reply-to” mail header. For those of us whose email addresses are fraudently used, the best we can do is filter out NDR REPORTS.

Per U.S.C. COPYRIGHT LAW - TITLE 17, SECTION 107, this not-for-profit site may reproduce copyrighted material not specifically authorized by the copyright owner. Such articles will either have a web link to the source, home page, and/or show credit to the author.  If yours is here and you have a problem with that, send me an EMAIL, and I’ll take it off. Stuff I wrote carries a CREATIVE COMMONS LICENSE permitting non-commercial sharing. In addition, this site’s owner forbids insertion and injecting data of any kind - especially advertisements - into ours by any person or entity.  Should you see a commercial ad that looks like it’s from here, please report it by sending me a tcpdump and/or screenshot in an EMAIL, then READ UP about how the PARTNERING OF INTERNET SERVICE PROVIDERS and companies like NEBUAD are DESTROYING INTERNET PRIVACY

Resumes of layed off AT&T workers are posted for free HERE.

Information on the Pension Class Action Lawsuit against AT&T is HERE.  More pension-related articles are HERE.

Links to some Telecom companies’ career pages are HERE.

Click HERE to learn a little about Article 43 and why I loathe the CWA.
Click HERE or HERE to learn what the CWA did when given a chance to do the right thing.
Click HERE for a glimpse of undemocratic and hypocritical CWA practices.
Click HERE for an article on Corporate Unionism.
Click HERE for an article of AFL-CIO’s undemocratic history.

If you’re looking for telco nostalgia, you won’t find it here.  Check out THE CENTRAL OFFICE, BELL SYSTEM MEMORIAL, MUSEUM OF COMMUNICATIONS, TELEPHONE TRIBUTE, and THE READING WORKS websites instead.

This site can disappear anytime if I run out of money to pay for luxuries like food, health care, or internet service.

Discernment of truth is left to the reader - whose encouraged to seek as much information as possible, from as many different sources as possible - and pass them through his/her own filters - before believing anything.

...the Devil is just one man with a plan, but evil, true evil, is a collaboration of men…
- Fox Mulder, X Files

No matter how big the lie; repeat it often enough and the masses will regard it as the truth.
- John F. Kennedy

Today my country, your country and the Earth face a corporate holocaust against human and Earthly rights. I call their efforts a holocaust because when giant corporations wield human rights backed by constitutions and the law (and therefore enforced by police, the courts, and armed forces) and sanctioned by cultural norms, the rights of people, other species and the Earth are annihilated.
- Richard L. Grossman

Unthinking respect for authority is the greatest enemy of truth.
- Albert Einstein

He who is not angry when there is just cause for anger is immoral. Why? Because anger looks to the good of justice. And if you can live amid injustice without anger, you are immoral as well as unjust.
- Aquinas

If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant has its foot on the tail of a mouse and you say that you are neutral, the mouse will not appreciate your neutrality.
- Bishop Desmond Tutu

Our lives begin to end the day we become silent about things that matter.
- Martin Luther King Jr

Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety.
- Benjamin Franklin

If we do not hang together, we will surely hang separately.
- Benjamin Franklin

We must be prepared to make heroic sacrifices for the cause of peace that we make ungrudgingly for the cause of war.
- Albert Einstein

Solidarity has always been key to political and economic advance by working families, and it is key to mastering the politics of globalization.
- Thomas Palley

Update 8/11/07 - As we head into the next depression, fueled by selfish corporate greed, and a corrupt, SOCIOPATHIC US government, MIKE WHITNEY has a solution that makes a lot of sense to me:

The impending credit crisis cant be avoided, but it could be mitigated by taking radical steps to soften the blow. Emergency changes to the federal tax code could put more money in the hands of maxed-out consumers and keep the economy sputtering along while efforts are made to curtail the ruinous trade deficit. We should eliminate the Social Security tax for any couple making under $60, 000 per year and restore the 1953 tax-brackets for Americans highest earners so that the upper 1%-- who have benefited the most from the years of prosperity---will be required to pay 93% of all earnings above the first $1 million income. At the same time, corporate profits should be taxed at a flat 35%, while capital gains should be locked in at 35%. No loopholes. No exceptions.

Congress should initiate a program of incentives for reopening American factories and provide generous sufbsidies to rebuild US manufacturing. The emphasis should be on reestablishing a competitive market for US exports while developing the new technologies which will address the imminent problems of environmental degradation, global warming, peak oil, overpopulation, resource scarcity, disease and food production. Off-shoring of American jobs should be penalized by tariffs levied against the offending industries.

The oil and natural gas industries should be nationalized with the profits earmarked for vocational training, free college tuition, universal health care and improvements to then nations infrastructure.

Posted by Admin on 09/05/04 •

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Monday, March 04, 2019

Data Brokers

image: data brokers

Here are the data brokers quietly buying and selling your personal information

By Steven Melendez and Alex Pasternack
March 2, 2019
Fast Company

Its no secret that your personal data is routinely bought and sold by dozens, possibly hundreds, of companies. What’s less known is who those companies are, and what exactly they do.

Thanks to a NEW VERMONT LAW requiring companies that buy and sell third-party personal data to register with the Secretary of State, weve been able to assemble a list of 121 data brokers operating in the U.S. It’s a rare, rough glimpse into a bustling economy that operates largely in the shadows, and often with few rules.

Even Vermonts first-of-its-kind law, which went into effect last month, doesnҒt require data brokers to disclose whos in their databases, what data they collect, or who buys it. Nor does it require brokers to give consumers access to their own data or opt out of data collection. Brokers are, however required to provide some information about their opt-out systems under the lawҖassuming they provide one.

If you do want to keep your data out of the hands of these companies, youll often have to contact them one by one through whatever opt-out systems they provide; more on that below.

The registry is an expansive, alphabet soup of companies, from lesser-known organizations that help landlords research potential tenants or deliver marketing leads to insurance companies, to the quiet giants of data. Those include big names in people search, like Spokeo, ZoomInfo, White Pages, PeopleSmart, Intelius, PeopleFinders, and the numerous other websites they operate; credit reporting, like Equifax, Experian, and TransUnion; and advertising and marketing, like Acxiom, Oracle, LexisNexis, Innovis, and KBM. Some companies also specialize in “risk mitigation,” which can include credit reporting but also background checks and other identity verification services.

Still, these 121 entities represent just a fraction of the broader data economy: The Vermont law only covers third-party data firms - those trafficking in the data of people with whom they have no relationship - as opposed to first-party - data holders like Amazon, Facebook, or Google, which collect their own enormous piles of detailed data directly from users.

What they know

By buying or licensing data or scraping public records, third-party data companies can assemble thousands of attributes each for billions of people. For decades, companies could buy up lists of magazines subscribers to build targeted advertising audiences. These days, if you use a smartphone or a credit card, its not difficult for a company to determine if you’ve just gone through a break-up, if you’re pregnant or trying to lose weight, whether you’re an extrovert, what medicine you take, where you’ve been, and even how you swipe and tap on your smartphone. (Browser cookies and trackers are a major part of this infrastructure, and like many websites, Fast Company’s site relies on them in order to serve content and ads.)

All that information can be used to create profiles of you - think of them as virtual, possibly erroneous versions of you - that can be used to target you with ads, classify the riskiness of your lifestyle, or help determine your eligibility for a job. Like the companies themselves, the risks can be hard to see. Apart from the dangers of merely collecting and storing all that data, detailed (and often erroneous) consumer profiles can lead to race or income-based discrimination, in a high-tech version of redlining.

Piles of personal data are flowing to political consultants attempting to influence your vote (like Cambridge Analytica) and to government agencies pursuing non-violent criminal suspects (like U.S. Immigration and Customs Enforcement). Meanwhile, people-search websites, accessible to virtually anyone with a credit card, can be a goldmine for doxxers, abusers, and stalkers.

People in the U.S. still struggle to understand the nature and scope of the data collected about them
, according to a recent survey by the Pew Research Center, and only 9% believe they have a lot of control over the data that is collected about them. Still, the vast majority, 74%, say it is very important to them to be in control of who can get that information.

Deleting your data

For companies regulated under the Fair Credit Reporting Act (FCRA), including traditional credit bureaus, you have the right to request your personal data and request corrections of anything that’s wrong.

But for other companies that deal in data, like marketing and people finder companies, U.S. law mostly doesn[t make any such guarantees, though that may change in the future as state and federal legislatures consider further rules. Those could ultimately bring protections like the right-to-be-forgotten and other safeguards granted to European residents under the General Data Protection Regulation (GDPR), probably the strictest international consumer data policy.

To try to remove yourself from a company’s databases: Click on the name of the broker below, click “Filing History,” and then click “DATA BROKER REGISTRATION.” You’ll get a documentin PDF form that contains details from the company on how to opt out - provided the company allows you to opt-out.

You can also consult various online guides listing opt-out procedures. Griffin Boyce, systems administrator at Harvard University֒s Berkman Klein Center for Internet and Society, has compiled one such opt-out guide. Another guide is put together by Joel Winston, an attorney known for his work on data privacy and consumer protection. At Motherboard, Yael Grauer compiled another list of brokers with tips for opting out. If you’re a resident of the European Union, opt-out.eu has a guide to sending GDPR Erasure Requests.

You can also use the Data & Marketing AssociationҒs DMAchoice program, which is primarily designed for opting out of direct mail and email messages, but is also used by some organizations to remove consumers from their lists entirely. It costs $2 to sign up for the program, and registration lasts two years.

If you’re part of a “protected class,” which includes victims of domestic violence, stalking, sexual assault, identity theft, or people who work in law enforcement, some states like California offer Safe at Home, a program that lets victims remove their contact info from databases with a single request. The National Network to End Domestic Violence has also assembled a guide to data brokers.

If you’re concerned about how a company is handling your personal data, you can file a complaint with the Federal Trade Commission, which has issued millions of dollars in penalties over unfair or unlawful behavior by credit agencies and data brokers.

You can limit data loss by deleting unnecessary apps, adjusting your privacy settings, using privacy tools like a VPN, and limiting what you post online.

In order to control your data, you may need to hand over some basic info to verify that its really you. But be careful about what you turn over. As Boyce writes, “other than credit reporting agencies such as Equifax, no one should ask for your Social Security number or tax ID while opting out. When sending a copy of your ID, mark out the ID number and draw a line across the photo.”

The data broker companies

Below are the companies that have registered under VermontԒs data broker law, with descriptions drawn from their websites or other sources where noted.

ACCUDATA INTEGRATED MARKETING INC.

Accudata operates mailing lists and marketing data services.

ACXION LLC

The data giants offerings now encompass more than 62 countries, 2.5 billion addressable consumers and more than 10,000 attributes - for a comprehensive representation of 68 percent of the world’s online population. Last year, following the Cambridge Analytica scandal and Facebook’s decision to end partnerships with Acxiom and other third-party data handlers, LiveRamp sold Acxiom to Interpublic Group, one of the world’s largest advertising agencies, for $2.3 billion. LiveRamp continues to operate as a leading “data onboarding” company, helping bring offline data online for marketing purposes.

ADVANTAGE CREDIT INC

Advantage Credit resells credit services and data for the mortgage and finance industry.

ADVANTAGE SALES AND MARKETING LLC

Advantage offers shopper marketing, retail merchandising, and other services to retailers and manufacturers.

ADVERTISE4SALES LLC

Advertise4Sales connects law firms and legal professionals across the country to tens of thousands of prospects requesting legal help in real-time via phone or web leads each month.

ALC INC

ALC (American List Counsel) has “become the industry’s leading privately held direct and digital data marketing services provider.”

ALL WEB LEADS INC

All Web Leads is an online lead generation company that sells the highest-quality sales leads to top insurance producers. (Crunchbase)

ALISOURCE HOLDINGS LLC

Altisource provides information about landlords to businesses that wish to market to them.

AMRENT INC

AmRent provides tenant screening services and data.

ANALYTICSIQ INC

[T]he first data company to consistently blend cognitive psychology with sophisticated data science to help you understand the who, what and why behind consumers and the decisions they make every day. Their accurate and comprehensive consumer database, PeopleCore, provides access to data attributes you can’t find anywhere else.

ASL MARKETING INC

ASL is “the nation’s premier provider of student marketing data, focused on the highly desirable 13-34-year-old market.

AUTOMATION RESEARCH INC DBA DATA VERIFY

DataVerify provides information for the mortgage and real estate loan industry.

AVRICK DIRECT INC

Mailing list and direct marketing company “specializing in data compilation.”

BACKGROUND INFORMATION SERVICES INC (BIS)

BIS focuses on employee and tenant screening.

BACKGROUNDCHECKS.COM LLC

Backgroundchecks.com provides online background checks and criminal records data.

BEENVERIFIED INC and its subsidiaries/affiliates

BeenVerified provides background check and people search services.

BELARDI OSTROYALC LLC

Belardi Wong is a full service digital & direct marketing agency, relentlessly focused on driving revenue, profit and customer growth.Ӕ

Black Knight Data & Analytics LLC

Black Knight provides loan and real estate data.

Blackbaud Inc.

A supplier of software and services specifically designed for nonprofit organizations. Its products focus on fundraising, website management, CRM, analytics, financial management, ticketing, and education administration.Ӕ (Wikipedia)

CBCInnovis Inc.

CBCInnovis provides credit and real estate data.

CDK Global LLC

CDK provides software and technology solutions for automotive retailers in the United States and internationally.Ӕ

CIC Mortgage Credit Inc.

CIC provides credit data for the mortgage industry.

Civis Analytics Inc.

Civis is an Eric Schmidt-backed data science software and consultancy company founded by Dan Wagner in 2013. Wagner served as the chief analytics officer for Barack ObamaӒs 2012 re-election campaign. Read more from Fast Company here.

Clarity Services Inc.

Clarity Services is a unit of Experian focusing on alternative credit data.

Compact Information Systems

Provides specialty lists, data hygiene services, and direct marketing database solutions.

Confi-Chek

A people search conglomerate that owns Peoplefinders.com, Enformium Inc., PublicRecordsNOW.com, PrivateEye.com and Advanced Background Checks Inc.
CoreLogic Background Data LLC

CoreLogic Background Data provides ԓwholesale background data for screening purposes.
CoreLogic Credco of Puerto Rico

CoreLogic Credco provides credit data to the mortgage industry.
CoreLogic Credco LLC

CoreLogic Credco provides credit data to the mortgage industry.
CoreLogic Screening Services LLC

CoreLogic Screening Services provides tenant screening for rental properties.
CoreLogic Solutions LLC

CoreLogic Solutions processes and provides property records for the real estate and mortgage industries.
Cortera Inc.

Cortera provides credit information about businesses.
Data Facts Inc.

Data Facts provides information on consumers for background checks in lending, housing and more
DataMentors LLC dba V12

A ԓdata and technology platform that links customer records with their proprietary blend of online, offline, and digital marketing data for highly personalized, one-to-one consumer marketing, regardless of device or channel. (Crunchbase)
Datamyx LLC dba Deluxe Marketing Solutions

A ԓleading provider of integrated information, technology and analytics. Datamyx serves customers in industries ranging from banking, credit unions, and mortgage providers to alternative finance, insurance, and others.
Datastream Group Inc.

Datastream ԓprovides rich marketing data and real-time sales leads.
DataX Ltd.

DataX is a unit of Equifax focused on alternative credit data.
Digital Media Solutions

ԓDeploys diversified and data-driven digital media customer acquisition solutions, including performance marketing, digital agency and marketing technology solutions to help achieve the marketing objectives of clients.
Digital Segment LLC

A multi-channel marketing company.
Drobu Media LLC

Ad manager and lead generator for social media campaigns.
Dustin Blackman

Dustin Blackman is the head of Drobu Media LLC, a lead generation service. He indicated to Fast Company that he intended to register only the business, not himself.
Edvisors Network Inc.

Edvisors ԓprovides independent advertising-supported platforms for consumers to search compare and apply for private student loans.
Enformion

Enformion ԓaggregates billions of United States public records into one of the largest online people databases.
Epsilon Data Management LLC

Epsilon is one of the largest data management companies in the world, and provides direct marketing and customer relationship management services, sending more than 40 billion e-mails each year.
Equifax Information Services LLC

Incorporated in 1937, Equifax is one of the three major consumer credit reporting agencies. In 2017, the company said it suffered a cyberattack that exposed the data of more than 145.4 million Americans, including their full names, Social Security numbers, birth dates, addresses, and driver license numbers. At least 209,000 consumersԒ credit card credentials were also taken in the attack.
Experian Data Corp.

A sibling of the giant U.S. credit reporting agency Experian Information Solutions and one of many subsidiaries of the Ireland-based data giant Experian PLC, the company operates Experian RentBureau, a database updated daily with millions of consumers ғrental payment history data from property owners/managers, electronic rent payment services and collection companies.
Experian Fraud Prevention Solutions Inc.

An Experian unit providing a database focusing on fraudulent transactions.
Experian Health Inc.

The healthcare division of the credit reporting agency, providing data and analytics for healthcare providers, labs, pharmacies, payers, and other risk-bearing entities.
Experian Information Solutions Inc.

One of the “big three credit reporting agencies, Experian also sells data analytics and marketing services, and purports to aggregate information on over one billion people and businesses, including 235 million individual U.S. consumers.”

Experian Marketing Solutions Inc.

A marketing subsidiary of the credit reporting giant focused on identity-linkage and consumer research.
FD Holdings LLC dba Factual Data

Factual Data provides credit and other data to mortgage lenders.
First American Data Tree LLC

DataTree ԓdelivers the current and accurate real estate and property ownership data you need for your business.
First Direct Inc. and its subsidiaries/affiliates

First Direct provides digital & traditional direct marketing.
First Orion Corp.

First Orion provides information on telephone callers, including contact information and the likelihood of a scam.
Forewarn LLC

Forewarn provides background information about potential business associates, including real estate clients.
Fused Leads LLC

Fused Leads is ԓa pipeline to potential clients for the home improvement, auto insurance, auto finance, life insurance, mortgage, and health insurance industries.
General Information Solutions LLC

GIS, which recently merged with HireRight, is a background screening company.
HealthCare.com

Not to be confused with the government insurance portal healthcare.gov, healthcare.com provides consumer marketing for insurance companies.
I360 LLC

Funded by the Koch brothers and started by a former adviser to John McCainԒs presidential campaign, i360 has built one of the largest data, technology, and analytics platforms for political and commercial clients.
ID Analytics LLC

ID Analytics is a unit of Symantec focused on credit and fraud risk mitigation.
IHS Markit

IHS Markit is a global leader in information, analytics and solutionsӔ for various industries.
InCheck Inc.

InCheck is a background check provider.
Inflection Risk Solutions LLC

Inflection helps companies to make better and faster people decisions about who to hire, who to trust, and to whom they should grant accessӔ using in-house and public data that includes criminal records, sex offender registries, and global watchlists.
Inflection.com Inc.

A subsidiary of Inflection Risk Solutions.
Infocore Inc.

Infocore specializes in direct marketing, campaign strategy, and sourcing market data for domestic and multinational clients.Ӕ
Infogroup Inc.

Infogroup, founded by Vinod Gupta in 1972, offers real-time data on 245 million individuals and 25 million businesses for customer acquisition and retention,Ӕ according to Wikipedia.
Infutor Data Solutions

Infutor is the expert in identity management, enabling brands to instantly identify consumers and make informed marketing decisions.Ӕ
Innovis Data Solutions Inc.

Innovis is a consumer credit reporting agency.
Instant Checkmate LLC

Instant Checkmate is a people search site that uses public records, including criminal records.
Insurance Services Office Inc.

ISO is a unit of Verisk that focuses on insurance risk and fraud identification.
IntelliCorp Records Inc.

IntelliCorp is a unit of Verisk focusing on employment background checks.
Intellireal LLC

Intellireal is a division of Equifax focusing on real estate analytics and valuation.
Interactive Data LLC

Interactive Data provides consumer information for risk mitigation, compliance, and identity verification.
IQ Data Systems Inc. dba Backgrounds Online

A nationwide data aggregator, IQ Data Systems offers private investigation, skip tracing, public record maintenance and background screening services,Ӕ and provides FCRA compliant background screening.Ӕ
ISO Claims Services Inc.

ISO manages insurance companies personal injury claims portfolios.
ISO Services Inc.

A subsidiary of data giant Verisk Analytics, ISO ғis a provider of statistical, actuarial, underwriting, and claims information and analytics; compliance and fraud identification tools for ԓinsurers, reinsurers, agents and brokers, insurance regulators, risk managers, and other participants in the property/casualty insurance marketplace.
IXI Corp.

Equifax-owned IXI analyzes household economics and ԓoffers customer targeting, segmentation, and market tracking solutions and services for financial services and consumer marketing firms.
KBM GROUP LLC

WPP-owned data giant KBM offers ԓmarketing strategy and analytics services.
KnowWho Inc.

KnowWho helps ԓgovernment relations, lobbying firms, advocacy groups, library patrons, and the government itself, connect with elected officials and their staffs for more than 15 years.
LexisNexis Risk Solutions Inc. and affiliates

This LexisNexis unit provides and works with data for risk management purposes.
Lundquist Consulting Inc.

LCI, part of Verisk Financial, provides data on bankruptcy matters.
MCH Inc. dba MCH Strategic Data

MCH ԓprovides the highest quality education, healthcare, government, and church data.
Modernize Inc.

A home improvement contractor marketplace.
National Consumer Telecom & Utilities Exhange Inc.

ԓNCTUE is a consumer reporting agency that maintains data such as payment and account history, reported by telecommunication, pay TV, and utility service providers that are members of NCTUE.
National Student Clearinghouse

The National Student Clearinghouse verifies where people attended school and the degrees they earned.
Neustar Inc.

Neustar ԓprovides real-time information and analytics for defense, telecommunications, entertainment, and marketing industries, and provides clearinghouse and directory services to the global communications industries, serving as the domain name registry for .biz, .us, .co, and .nyc top-level domains.
New England List Services Inc.

Offers targeted consumer mailing lists.
Open Dealer Exchange LLC dba 700 Credit LLC

700 Credit provides credit screening for car dealers.
Oracle America Inc. (Oracle Data Cloud)

Data giant ԓOracle Data Cloud gives marketers access to 5 billion global IDs, $3 trillion in consumer transactions, and more than 1,500 data partners available through the BlueKai Marketplace. With more than 45,000 prebuilt audiences spanning demographic, behavioral, B2B, online, offline, and transactional data, we bring together more data into a single location than any other solution.
OwnerIQ Inc.

OwnerIQ ԓprovides online advertising solutions and marketing channels for brands, retailers, and manufacturers and operates a platform for second party data for marketing.
Parasol Media Inc.

Parasol Leads is one of the insurance industryԒs highest quality leads generation services.
Partners Credit and Verification Solutions

Partners provides credit and background data to mortgage lenders.
Path2Response

Path2Response collects, aggregates and models consumer information.Ӕ
PeopleConnect Inc.

A people search company that owns Intelius and Classmates.com, providing access to criminal records, employee screening, background checks, and identity theft protection services.
Pipl Inc.

Pipl is a people search tool.
Plural Marketing Solutions Inc.

A company that builds engaging, consumer-centric paths and web sites.Ӕ
PossibleNOW Data Services

PossibleNOW is the leader in consumer regulatory compliance and consent solutions, and pioneered the concept of enterprise preference management.Ӕ
Project Applecart LLC

Project Applecart gathers data on adults in the U.S. via publicly available sources or via third-party license agreements. It analyzes the data to help advertisers address marketing and other communications to the relevant audience.Ӕ
Quality Planning Corp.

QPC provides analytics and information on policyholders for automobile insurance companies.
Rental Property Solutions LLC

Rental Property Solutions is a unit of CoreLogic that provides credit reporting information to landlords.
Reveal Mobile Inc.

Reveal provides location-based marketing & analytics to help companies reach audiences across mobile apps, digital advertising, and social media.Ӕ
Ruf Strategic Solutions

A marketing firm owned by consumer identity management company Infutor with a focus on travel, tourism, insurance, e-commerce, and education.
SageStream LLC

SageStream is a consumer credit reporting company.
Skipmasher Inc.

For skiptracers and investigators.
Speedeon Data LLC

Speedeon DataӒs goal has been to provide our clients with the highest quality customer contact dataŔ
Spokeo Inc.

Spokeo is a people search giant that purports to provide access to 12 billion public records. In 2012, the Federal Trade Commission fined the company $800,000 and placed it under a 20-year privacy prohibition for marketing information for employment screening purposes without adhering to the Fair Credit Reporting Act, in the first FTC fine involving personal data collected online and sold to potential employers.
Spy Dialer Inc.

Spy Dialer is a people search website providing information on people by name or phone number.
Strategic Information Resources

SIR provides background and credit screening to employers, landlords, and lenders.
TALX Corp.

TALX is a unit of Equifax that provides employment information to companies and landlords through a database called The Work Number. As Fast Company previously reported, the database relies on feeds of detailed employee and salary data provided by the countrys biggest companies and organizations, including Facebook, Amazon, Microsoft, Oracle, Walmart, Twitter, AT&T, Harvard Law School, and the Commonwealth of Pennsylvania. In 2017, a security researcher exposed a breach in which employeesҒ data could be accessed using only Social Security numbers and dates of birth.
Teletrack LLC

CoreLogic Teletrack is a consumer reporting agency that provides consumer reports to third parties for the purpose of credit risk assessment and/or other purposes as permitted by law.Ӕ
The Lead Company Inc.

Specializing in quality real-time online insurance leads for auto, home, life, and health.
Thomas Reuters (CRC) LLC dba Refinitiv

Refinitiv operates the World-Check database used for financial know your customerӔ compliance and identity verification.
Towerdata Inc.

A multichannel marketing firm focused on email.
TransUnion

TransUnion is the smallest of the big threeӔ credit reporting agencies, alongside Experian and Equifax.
Truthfinder LLC

Truthfinder is a people search site that provides background checks and public records search capabilities.
Twine Data Inc.

Twine is a mobile data platform that works with app publishers who generate mobile data & the companies who need data for ad targeting.Ӕ (Crunchbase)
Viant Technology LLC

Viant, a former Time Inc. and current Meredith subsidiary, is a premier people-based advertising technology company, enabling marketers to plan, execute, and measure their digital media investments,Ӕ with access to over 250 million registered users in the U.S., infusing accuracy, reach and accountability into cross device advertising.Ӕ

WEST PUBLISHING CORP

A unit of Thomson Reuters, West offers tools for searching public records and legal records. In 2018, the non-profit Privacy International identified it as one of a number of firms HIRED BY Immigration and Customs Enforcement to provide data that can be used by the agency and others to identify and track people and their families, including for deportation.

WHITEPAGED INC

WhitePages provides people search and background information.

WHOODLE LLC

Whoodle is a people search and background check service.

WILAND INC

A provider of intelligence-driven predictive marketing solutions.

SOURCE

Posted by Elvis on 03/04/19 •
Section Privacy And Rights
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Thursday, February 28, 2019

Death Star Grows

image: att

America won’t see any kind of economic revival until it breaks up big companies that control just about everything, and bring back competition.

---

U.S. appeals court OKs $81 billion merger of AT&T and Time Warner

CBS News
February 27, 2019

A federal appeals court has blessed AT&T’s takeover of Time Warner, defeating the Trump administration by affirming that the $81 billion merger won’t harm consumers or competition in the booming pay-TV market.

The ruling by the U.S. Court of Appeals in Washington came Tuesday in the high-stakes competition case, approving one of the biggest media marriages ever.

It was already completed last spring soon after a federal trial judge approved it, as phone and pay TV giant AT&T absorbed Time Warner, the owner of CNN, HBO, the Warner Bros. movie studio, “Game of Thrones,” coveted sports programming and other “must-see” shows.

Many observers had expected the decision favorable to AT&T from the three-judge appeals court panel. The decision was unanimous to uphold the trial judge’s June ruling. Opposing the merger forced the Justice Department to argue against standing legal doctrine that favors mergers among companies that don’t compete directly with each other, what’s known as a vertical merger.

The U.S. antitrust lawsuit against Dallas-based AT&T marked the first time in decades that the government has challenged that doctrine by suing to block a vertical merger.

The appeals court judges said U.S. District Judge Richard Leon was correct to dismiss the government’s argument that AT&T’s takeover of Time Warner would hurt competition, limit choices and jack up prices for consumers to watch TV and movies.

“The government failed to meet its burden of proof” for its theory that costs for Time Warner’s Turner Broadcasting content would increase after the merger, mainly through threats of programming “blackouts,” the judges wrote. The Turner networks include CNN.

The Justice Department antitrust attorneys had asserted that Leon misunderstood the complexities of the TV industry and the nature of AT&T’s competitors.

The idea behind the merger was to help AT&T which claims about 25 million of the 90 million U.S. households that are pay TV customers - compete better with online rivals like Netflix, YouTube and Hulu.

AT&T already had a streaming service, DirecTV Now, but it launched a cheaper offering called WatchTV soon after the deal closed. It’s planning another streaming service, “WarnerMedia,” for later this year.

“The merger of these innovative companies has already yielded significant consumer benefits, and it will continue to do so for years to come,” AT&T General Counsel David McAtee said in a statement. “While we respect the important role that the U.S. Department of Justice plays in the merger review process, we trust that today’s [decision] will end this litigation.”

The ruling dealt a major setback to the Trump Justice Department. If the government decided to appeal the ruling, the next step likely would be the Supreme Court, and it wasn’t clear whether Justice planned to do so.

There’s about a 50 percent chance of the government taking it to the high court and scant prospects of it winning there, said Matthew Cantor, an attorney focusing on telecom antitrust matters at Constantine Cannon in New York.

The Justice Department appears committed to pursuing the long-shot bid against the merger, rather than considering conditions that could have been imposed on AT&T by the trial court to make the deal more acceptable. The head of Justice’s antitrust division, Makan Delrahim, doesn’t like merger conditions requiring regulators to keep an eye on the combined company’s conduct for years after.

But politics and presidential influence also could be a factor, Cantor suggested. When the deal was first made public in October 2016, it drew fire from then-candidate Donald Trump, who promised to kill it “because it’s too much concentration of power in the hands of too few.” Trump as president has publicly feuded with Time Warner’s CNN, calling it “failing” and a purveyor of “fake news,” and suspending one of its correspondents from the White House.

“It seems to me that political considerations played into this,” Cantor said. “It’s odd that the Justice Department has gone after this merger as its principal merger case. ... This was a very tough case. It’s very hard to challenge a vertical merger.”

The case could affect future antitrust regulation. It underscores that the government should look at vertical mergers more critically, particularly when the companies combining are already in industries that have few competitors, said Diana Moss, president of the American Antitrust Institute.

There has been a rush of deal-making in the cable, entertainment and telecom industries over the last few years, and Leon’s ruling opened the doors for more efforts.

Just a day after his decision, Comcast jumped back into a bidding war with Disney for most of 21st Century Fox’s TV and movie businesses. Disney eventually won, and Comcast bought British broadcaster Sky instead.

In other deal activity, wireless carriers Sprint and T-Mobile also are attempting to combine. The Justice Department and the Federal Communications Commission are still reviewing that deal, which is not a vertical merger. Sprint and T-Mobile are direct competitors.

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Posted by Elvis on 02/28/19 •
Section Dying America
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Saturday, February 16, 2019

Bahavioral Interview Questions

image: interview questions

Behavioral Interview Questions and How to Answer Them

By Robert Half
February 7, 2019

Your job search is starting to pay off, and you scored an interview. As you prepare for inquiries related to your skills and experience, you realize you’re comfortable answering those questions. But you’re not so sure about behavioral interview questions. Here’s what to do.

What are behavioral interview questions? They are the unpredictable queries that employers ask during job interviews. They help hiring managers take a deeper dive and find out more about how you think and what you’ve done - or would do in certain circumstances.

The idea is that your answers will provide insight into your problem-solving skills and personal attributes. Managers are looking for people who are competent and a good fit for their organization, and they can get at that by asking these behavioral interview questions.

So, whatגs the best advice to help you prepare?

Recall your experiences, develop your stories

Some questions will require you to recall a situation youve likely experienced. Prior to your interview, think of different circumstances you’ve encountered on the job where you took a specific action, and make a list of them. That way the memories can be top of mind when you need them.

Let’s say the hiring manager asks you, “When youve strongly disagreed with members of your team, how did you communicate those feelings?”

In all likelihood, you’ve had a disagreement with a coworker, so to answer this, find an example you can frame in a positive light. Perhaps the difference of opinion identified a problem you were able to solve or revealed an insight that led to improved productivity. Tell your story, but keep yourself from naming names or giving specifics that shouldn’t be shared outside the company.

As you think about issues you’ve tackled in the workplace, try to compose several short stories you can share in a minute or two. Come up with examples of times when you were able to overcome stress, deal with a crisis or help fuel a successful workplace collaboration. Think about how open you are to new ideas, how good you are at finding common ground and what experiences you might draw upon to think through a problem.

Explore different topics

Hiring managers want to learn about your real-life work experiences, but they’re also looking for how those experiences will predict how you’ll behave in the future.

A typical question would be something like this, “Tell me about a time when you set a goal and met your objectives.”

Discuss a workplace goal that was specific, measurable and time bound. Discuss the action you took and the method you used to achieve the results. Did you develop proficiency in a new tool or technology? Did you complete a project in record time, increase customer satisfaction in specific ways, cut costs in your department, or achieve ambitious sales goals? Whenever possible, use numbers to quantify your success.

On the other side, you might get this behavioral interview question: “Can you describe a time when you failed to achieve a goal?”

Nobody is perfect, and this is an opportunity for you to describe a mistake that you made on the job that may have taught you a lesson. Rather than mentioning a huge failure, highlight a challenging event where things didnt go as planned, and you weren’t completely successful. The main part of your answer will be what you would have done in hindsight or what you’ll do going forward as a result.

Some other common behavioral interview questions include:

Describe a scenario when you were persuaded to change your mind about something?

Have you ever convinced a manager to change their mind about something?

Describe a situation where you found yourself outside your comfort zone.

What were the best things about your very first job?

Give me an example of a time when you had to explain something complex to a client or coworker.

How have you saved your company money in the past?

How have you interacted with a difficult boss?

Describe an example of when you ran out of time before you got something done.

When have you gotten a special thank you for something you did on the job?

Prepare to think on your feet, hypothetically

Other behavioral interview questions address circumstances you could encounter. They are “what if” scenarios, in which you have no past experience to call on and have to use your imagination.

Sometimes called situational interview questions, these can be difficult if youve never considered the question. If that’s the case, they will definitely require you to go off scriptand think quickly on your feet. As you describe your hypothetical actions, think problem, solution, benefit.

Here is a sample situational interview question: How would you respond to a client who insisted you made an error?Ӕ

Whether you made a mistake or not, the key is to focus on the resolution. The interviewer wants to know how you would handle complications. Instead of pointing the finger at others, discuss how you would address the complaint, outlining the steps you’d take to diffuse the situation.

Another question might be: “How would you cope with being assigned a project for which you lacked the skills or knowledge to complete?”

An effective answer is one where you spotlight your initiative, resourcefulness and the drive to succeed. That could involve asking for company training, finding a knowledgeable colleague or gathering the information needed to complete the assignment. The key is to convey a positive, innovative approach.

Practice answering situational interview questions

Here are some sample questions to consider. Even if you’re not asked these specific ones, you’ll train your brain to formulate responses to situational queries.

What would you do if you were asked to collaborate with a coworker you didn’t feel you could work with or who was unproductive?

How would you handle working at a job where you knew your boss was wrong about something that was affecting the company?

If you had to undertake multiple projects with tight deadlines, how would you stay on track?

How would you persuade a coworker to see things your way at work?

What would you do if you were expected to conform to a company policy with which you had a strong disagreement?

If you werent satisfied with the work you turned in, what would you do about it?

How would you prioritize your work if you had multiple assignments from different managers?

Final words of advice before the interview

Don’t memorize your lines, but try to have a general strategy for approaching topics, using compelling anecdotes and details. Rehearse your stories out loud. You might even record them. Find a friend or family member to listen and coach you.

One technique for answering interview questions is called the STAR method, which stands for Situation, Task, Action and Results. That helps you break down your answers into the when, where, what and how, and articulate your specific results without rambling.

Even if you’re thrown a curveball, behavioral interview questions give you the opportunity to illustrate your insight or experience as an indicator of future success.

SOURCE

Posted by Elvis on 02/16/19 •
Section Job Hunt
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Friday, February 08, 2019

Energy

image: aura

The Great Thread of Being
The Raw Stuff Were Made Of, And Why it Matters

By Umair Hague
Eudaimonia
February 7, 2019

“The energy you put out into the world is your responsibility!” I couldn’t help but be struck by how funny the tweet was, whereupon someone told me it was from some guru type. Is it true? Lets talk about “energy” and being and you and me for a moment. I don’t writeoften enough about this kind of stuff these days, though its my favourite thing to writeabout, because, well, the world has more pressing issues. What are we? Why are we here? Who are we, really?

This kind of sentiment “the energy you put out is your responsibility” - which you and I both hear expressed ubiquitously - is a kind of convenient mishmash of East meets West. It takes the formative philosophical idea of the East - that there’s “energy,: which is to say Qi, or prana, or so fort - but then combines it with the formative idea of the modern West, which is rational individualism: its yours, like a car or house or money. Feels a little off already, doesn’t it?

I think that any of us who have been close to the edge of ourselves recognizes there’s indeed such a thing as “energy.” Deep down, when you go beyond the narrow limits of the ego, there’s something that the old philosophers of the East described beautifully, because its so accurate to anyone who’s had the experience. A kind of luminous coiling presence, the “snake” of Kundalini, a force that’s pure in intensity as it is impossible to put into words. If you want me to describe it in words, when I was close to death, I’d experience it just that way - as a kind of coil of light, in a place of pure being, stretching into an endless expanse of stars, dust, time beyond, space beyond space.

But that coil of light wasn’t “in” me. Its more accurate to say that it was something that poured “through” me. But even that’s inaccurate. Its more accurate to say that it was something that was released, or experienced, or encountered, as “I started to die. That coil of light that existed in space beyond space, in time beyond time - what was it?”

Let’s think about it a little more. It wasn’t pure being - because it was in the “ground” or the “field” of pure being. Yet nor was it “me” - because, as the ancient philosopher who discovered this energy, this “Qi” or “Kundalini” and so forth rightly pointed out - it’s found where you, the little you of appetite and desire and money and clothes and so on ends. For the same reason, you feel connected when you stand on a beach - there’s nothing of you left suddenly, and somehow everything feels right, not wrong. You’re naked - “o now what are you?”

Immediately, a few things should be crystal clear already. This energy doesnt “belong” to “me” or “you.” because it only comes into focus when “you” and “I” and are fading. Therefore, it isn]t something that can “belong” to us at all, in an individualistic sense. To say that we must take “responsibility” for the energy of being is as wrong as saying that the summer must take responsibility for the sun. It is a thing that belongs to none of us.

This energy is there to teach us a lesson. A great and mighty lesson about the truth of us. A lesson thats as difficult to learn as it is to teach, one thatʒs as impossible as it is beautiful, as awesome as it is tiny.

So we struggle our whole lives long with all this. Western psychology tries to treat this energy in us in a hyperrational way - with therapy and so on. Eastern thought tries to treat it in a silent, contemplative way - with meditation and Tai Chi and yoga whatnot. Its hard to say if the Western approach has been any more successful - just witness how depressed and anxious and angry people are these days.

When it comes to “energy,” the Western approach tries to contain it - which is what so much psychotherapy is about, calling it “libido” and “eros.” The Eastern approach, on the other hand, tries to “channel” it, for example in yoga. And yet that approach, while I think can work better, often fails, too. Why do both these approaches fail? Because neither one brings us, first, closer to encountering this “energy” in its pure form - to really experiencing it, knowing it, bonding with it, developing a kind of intimacy with it.

So what happens? It roars through us, tears at us, wails like a banshee. It is saying: Know me. See me. Feel me. What am I? I am you. Don’t you want to know yourself? Of course we do. But we’re diehard rationalists - we’re taught to ignore these whispers and screams, which we can so obviously hear - and they only get louder the more they’re ignored.

Now, here’s the funny thing. Nobody doesn’t feel this energy - just stand on a beach for a moment, or stare into a sunset, bang! There it is, coursing through you - we just don’t know what to call it, where to put it, what the hell to do with it. How would we? Nobody teaches us. Nobody much even really acknowledges its reality. We walk around all pretending away the deepest parts of us.

Soon enough, by about midlife or so, most of us are wrecks. Our lives feel strangely disconnected. We feel lonely, even when we’re with our kids and families. Our work seems meaningless. We don’t seem to know our place in this universe at all. We struggle to contain this energy that’s screaming and whistling and exploding through us by now. Maybe we have affairs, maybe we blow up our careers, maybe we throw our life savings away. What are we really searching for? We are desperate by this point - truly desperate - to know who we are. Why we are here. What we are made of.

But we’re still not ready to go inside and face this energy of being itself - really just experience the truth of it for ourselves. Its funny, isn’t it? We know we are not just bags of chemicals. We feel there is a “soul” or a “presence” in us. But we can’t quite seem to connect with it. Bang! The energy overwhelms us - and that leaves us weary, exhausted, drained, as we try to fight it, repress it, ignore it. Isn’t that how you feel sometimes? I know I used to feel drained every day, even though I was bursting with energy - until I was in something like a walking coma, numb and frozen.

So what should we do about it? What can we do? We can go towards the energy. Really go towards it. Just try to see it, and be seen by it. Just experience it. By “experience” it I don’t mean imagining coils of light in your mind’s eye (which is comforting and relaxing, but.) I mean experiencing it, feeling it, so there is nothing left but that energy. So it is you, and you are it - and that is just the beginning. Just sit there for a while if you want to do it - there’s no great secret, you’re just overloaded from modern life.

As you look “along” the light, or “into” it, depending on your perspective, you will see that this “coil” is something as magnificent and remarkable as beautiful and impossible. “Look” here means sense, in the way that we look with the third eye, with the witness, with the observer - not with the physical eyes, of course. So what is this coil?

It is the thread that links all selves. It has no ending and no beginning. It just spirals and stretches and twists and dances endlessly in this space beyond space and this time beyond time. Along it lie all selves who ever were or have been. From the tiniest insect to you and me. Selves are just artificial separations in this consciousness, which is the raw material of existence itself, as quantum physics is starting to understand. No “selves” - no object “reality” just pure energy.

When we say two people are in love, it means something like their place along this coil has intersected , touched, and a little explosion has happened. When we say that people die, it means they are letting their “selves” go, and returning to the ground, or the field which this coil lingers in. (You can think of this thread as alaya if you like, if you’re versed in Buddhism, all the karma in all the worlds, flowing like a great river, from self to self, conditioning them into existence.)

Imm sure by now some of you are amused or horrified or just plain bewildered. What the hell is this guy talking about? LOL that’s OK. Before I died I would have been the first to laugh off stuff like this - pretty viciously, too. But I was desperately unhappy, too. So let’s go a little further still, if you really want to delve into a few untold secrets of being.

Energy, Qi, Kundalini, etcetera, is the thread of selfhood which we are all traveling along. It is always flowing through us because we are all just traveling along it. In that sense, it is the cycle of life, too, that the ancients spoke about. One self goes - bang! The next one is found, had, lived. That doesn’t mean there’s a sequence, really, because we are not in a linear space. We are trying to use words to explain an impossible reality, the idea that consciousness, not matter, is what is fundamental, and therefore, there is a place where all consciousness exists in its raw form, too , undivided, unseparated, one, whole. That place is the thread of being, which we sense, but which our eyes can never see, because our eyes, just like mountains, rivers, or stars, are made of it to begin with.

Now let me try to distill a few practical, simple lessons from all this. The energy you feel coursing through you is not your own. Because consciousness is fundamental, it is the truest thing in you. It is the raw stuff of existence itself. That is why it is always crying out to you to know it.

It doesn’t belong to you any more than the sunlight or the ocean does. The most that you can do is try to honor it, in a way, to do justice to it. That means letting this great thread of life unfurl through you, and that means lifting up and nourishing and nurturing every life that you touch, because from the threads point of view, there is no difference between you whatsoever.

To do that, though, you must have the courage and wisdom to gain some intimacy with this “energy,” this great thread of being - which is just primal consciousness, roaring through you. You have to stop the futile work of trying to ignore its pleas and cries. You have to stop pretending its not there, while all the time you feel unhappy and lonely for a reason you can’t quite put your finger on. You must understand your exhaustion and weariness come as much from this existential battle you are waging with your true self as they do from capitalism and supremacy and so on. You must go into it, towards it, and really know it, not just as part of you, but you, yourself, as just a tiny, evanescent part of it.

The starting point is to no longer be afraid of the idea that you are only what you’re told you are - just a consumer, a material object, a worker, in short, a brain-body piling up money and stuff - but that you might just be something much greater and truer and wholer. You are this whole thread of being, and this whole thread of being is you. In the end, you learn that - whether it is in the moments before you die, or in the moments long before them. The question is only when. So there’s no need to worry - only to laugh.

I think if you learn this early on, though, a lot of things become a lot clearer. There’s a sense of happiness, a sense of belonging, a sense of peace. That makes love truer, relationships deeper, intimacy warmer, moments more intense. It makes life something a little more mysterious, vast, impossible, tiny, beautiful. You have a higher sense of consciousness - but it’s better to just say a deeper, simpler, rawer, truer one.

Or maybe the rationalists are right - it’s all just an illusion, a fairy tale fools like me tell. I guess there’s only one way for you to find out.

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Posted by Elvis on 02/08/19 •
Section Spiritual Diversions
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