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.

     We live in Colorado where this is already law. It has been extremely helpful to have this access over the last

     few years as we have found numerous errors in EVERY ONE of their reports during periods when we have

     been applying for loans for a new car and to buy our new home. We are people with stellar credit - I can't

     imagine what must happen to folks with less ideal circumstances.

     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, to have them turn around and use this privileged information for their financial advantage.

     Sincerely,