|Received:||4/21/2004 8:00:00 AM|
|Agency:||Federal Trade Commission|
|Rule:||FACTA Free Reports Proposed Rule|
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. A December 2004 timetable is more then sufficent for the credit bureaus. Also,
if a staggered rollout is necessary the spread should be a couple of weeks per region (perhaps four regions
nationwide). If the reason for the staggered launch is truly load then a short stagger should be sufficent.
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.