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.

     All I need is more credit card companies marketing their junk to me... I get between five and twenty credit card

     applications each week.  It is time consuming, costly for the environment (all that paper!), and quickly

     perpetuating.  It would be nice if I had access to a free credit report without all the costly programs or

     underground marketing that occurs currently when I request a credit report. 

     Sincerely,

     Lisa Kilpatrick