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.

     Also, if a person is having financial problems, they should not be inundated with offers of other things to buy,

     which will only increase their indebtness if they apply for further credit.  Please set reasonable rules that will

     help a person get out of debt, not increase the amount of their debt.  Debt may be good for companies, but is

     not good for the average American.

     Sincerely,

     Patricia McCauley