|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:The phony "free" credit report come-ons are confusing and thwart citizens who are trying to exercise their right to obtain an annual credit report. The true free report site "annualcreditreport.com" provides a valuable and necessary service. Setting this up was one of the best services that our government has provided in the area of consumer credit. Profiteers should not be allowed to take advantage of the popularity of this service by luring consumers to deceptively named websites. Any website pruporting to offer a free credit report should be required to display a disclaimer that it is NOT the official site, and to give user a link to the real site. Such disclaimer and link should be displayed prominently on a webpage otherwise free of competing links, advertisements, or distractions. The official website itself should be similarly free of links and distractions. The links to the big three credit reporting agencies only serve to distract or confuse consumers in their quest to obtain their credit reports. Such links should be presented only after user has accomplished the goal of obtaining report.