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The ironic part is that the clients that don't need the looser payment terms (more time to pay the invoice) are the ones that get them
Kind of mirrors "it's expensive to be poor"
One (more) thing to opt out of:
Freeze Your Data - The Work Number
https://employees.theworknumber.com/employee-data-freeze
As I understand it, payroll whores your salary out to Equifax*, who then pimps it to others
* Yeah, that one: https://en.wikipedia.org/wiki/2017_Equifax_data_breach