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.

     Those of us who can afford to pay for more frequent credit reports will not be impacted so much as those who

     cannot afford to do so.  It is the latter, those who may have more concerning credit status but less resources

     with which to address their status, who will most affected.  Please do not allow this part of the population, or

     any of us to be more at the mercy of big business!