|Received:||11/7/2004 9:19:47 AM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:I firmly believe that in this day and age with the proliferation of technology that every person should have easy and affordable access to their personal information. The use of credit reports and credit scores can have a huge financial impact on just about every member of society, and with the growing problem of identity theft, it makes that much more sense for people to review this information regularly. In addition, the credit reporting agencies have not always been diligent in how they maintain the information in their files which, in my personal experience, can be filled with errors that cause problems and delays when this information is needed. While I understand the necessity of businesses to make a profit, I don’t think the sale of credit scores should be a windfall the reporting agencies and the cost to the consumer of obtaining these scores should be capped at $5.00. Thank You.