|Commenter:||Dr. David Enfield|
|Agency:||Federal Trade Commission|
|Rule:||16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures|
Comments:Getting a credit report online is something I only do once a year, if I remember, so the task is not as familiar as logging into my bank account. Hence, it is a confusing and frustrating labyrinth when I have to wade through the credit bureaus' pesky attempts to derail the procedure and coax (or trick) me into signing up for one of their services. If I'm entitled to see my credit reports, why can't the process be transparent and straightforward? I think annualcreditreport.com should be totally commercial-free, from beginning to end. And if, perchance, something takes me offsite, there should be a clear warning to me that I have landed on a page that is irrelevant to the task of getting my free report, and there should be a straightforward way for me to reinsert myself into the free-report procedure without do-overs.