|Commenter:||CEO Rick Debus|
|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:All Variables, and Results for any measurement on how Credit is assessed should be public knowledge. Formulas, Methods or Derivatives of Methods, which could be considered a competitive advantage in the credit world could remain so, but the factors (Variables) on a persons credit (score) should be known to that individual. Credit Scores have become an absolute essential to everyone life and there should not be a pay-wall blocking an individual from accessing it. FreeCreditReport.com should be shutdown as it's business model is based on fraud, preying on the uninformed.