|Received:||12/4/2004 2:16:23 PM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:The FCRA gives citizens a right to obtain their credit report without charge. The credit score is logically a part of that report....perhaps the most significant part. Therefore the credit score should be reported as a part of the overall credit report without additional charge. Charging for the credit score would be the same as offering free copies of the Constitution, but charging extra to see the Preamble.