|Received:||11/5/2004 9:28:25 AM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:I believe that consumer reporting agencies should provide one free credit report to consumers each year, as required in the 2003 amendment to the Fair Credit Reporting Act. People's credit scores have become a vital part of just about every aspect of a person's life, so much so that I believe people have a right to receive these life-altering reports free of charge. Credit scores often contain errors or incomplete data, and there is no way for people to corrent these problems if they don't have access to their credit reports. Charging a fee, even a small one, would prohibit some lower income people from obtaining their reports, when they are perhaps the ones who need to access them the most.