|Commenter:||Mr William Borden|
|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:US citizens should be able, without hassle or bombardment, and without having to drill down endlessly on the Credit Bureaus websites, to: 1. Request a full and comprehensive report the Bureaus have on file for them. 2. Secure their current Credit Score. 3. Be provided the ability to call a living human being to discuss discrepancies (if any) about information contained in a Credit Report. Currently the only why to get any response from the Credit Bureaus is to sign up and purchase one of their packages. The Credit Bureaus makes a lot of money collecting and selling information about consumers. This information needs to be readily available to the very consumers who in reality own the information.