Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     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.

     At the same time, restrict the ability of the credit bureaus to inundate the website used to access my credit with

      banners and advertisements for unnecessary services.

     My credit information is my property and my right to privacy should be protected by any law or program

     enacted.

     Sincerely,