|Received:||12/8/2004 10:53:24 AM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:The fee should be as low as possible, if not free. If the reports are now free, consumers should also be entitled to one free scoring per year as well, since the score is integral to the credit report itself. It is nice to know what is contained in my report; however, it does me no good if I cannot figure out what score it all adds up to. There is no formula that consumers can use to figure it out for ourselves.