|Received:||11/21/2004 10:37:01 AM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:Congress dropped the ball by allowing any fee to be charged at all. Credit reporting agencies harvest information about citizens, develop a score based on this information, and sell it for a profit to individuals or businesses who then use it to make decisions about us. How is that not information we legally deserve free access to at least once a year? However, Credit Reporting Agencies have lobbyists and make bigger donations than the individual citizen so they win on this issue in the end. Since debating the above points is a waste of time at this point, the fee should be the price of postage, paper, and toner. I would say one (1) U.S. dollar should cover these costs. This fee allows the Credit Reporting Agency to keep all their profits from citizens financial information. For the citizens of the U.S., it means though we are being raped AGAIN, we are not being raped for a huge profit.