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<tr><td><b>Comment Number: </b></td><td>534030-00021</td></tr>

<tr><td><b>Received: </b></td><td>1/14/2008 1:43:04 AM</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>Payne</td></tr>

<tr><td><b>State: </b></td><td>AZ</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Credit Report Freezes</td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>Credit freezes do protect consumers against identity theft.</body></html>