Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     American citizens have, as you established, the right to know the details of their own credit situation.

     I applaud the creation of a national law opening the way for consumers to acquire their credit history without

     charge.

     Thank you.

     However, 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.

     I was taught that you gave NO ONE your social security number. I would assume the bureaus already have a

     lot of information on consumers, and would be able to acquire what they need form what they already have.

     I also would like to see a restraint on bureaus selling additional services with an annual request.

     Again, thank you for the creation for the opportunity for an annual credit report.

     Sincerely,

     Robyn Lydick