Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Please support faster free credit reports

     I urge you to make annual free credit reports available more quickly to all Americans, rather than delaying

     access to most of the country at the unjustified request of the credit bureaus.

     Also, the rule should make clear that information is only collected to verify identity. Many consumers, including

     me, don't think it is fair to give up personal information to take advantage of an important new federal right to a

     free credit report.

     I also think a limit should be set on how much extra advertising the credit bureaus can bombard us with when

     we try to take advantage of this new right.  Wading through their misleading ads and propaganda will

     compromise the ability of some, especially the elderly,to access their report without being taken advantage of

     by marketing ploys they find confusing and hard to understand.