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humanpropensity They're building 1. a hybrid probabilistic (fingerprinting)/email identifier system, adding to their own data set with fingerprinting and leveraging highly detailed personal data to make you targetable...Permalink On twitter.com
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humanpropensity 2. a data marketplace / co-op where marketers will be able to combine their data with all sorts of other 2nd party data (which means they are making their data join-able with 3rd parties) to target you on the basis of the data they hold, which is credit-checking-based data...Permalink On twitter.com
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humanpropensity And 3. a "proprietary identity graph" which allows users to upload their marketing data to match with user IDs in order to join up their data to marketers' data to create segments on the basis of both bidstream-level identifying data and their internal credit-based data...On twitter.com
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humanpropensity So 1. they're sucking down more data to identify you that will absolutely become part of your credit check...Permalink On twitter.com
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humanpropensity 2. making you target-able on the basis of very personal data, even if marketers can't explicitly see that data in their systems it is absolutely joinable by a smart actor. Best case scenario your credit check is driving what ads you see...Permalink On twitter.com
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humanpropensity 3. they're increasing their tracking of you on the internet by turning themselves into an identity provider that requires client-side access and can be resolved alongside other datasets that will enhance their and marketer knowledge of users...Permalink On twitter.com
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humanpropensity Worse case scenario is that smart marketers using one or a combination of these features will start being able to make assumptions about users that build on the targeting that TransUnion is making available... it all seems pretty shitty to me!Permalink On twitter.com
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