16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00008

Submission Number:
545091-00008
Commenter:
Brenda Scott
State:
MN
Initiative Name:
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

Please have the site to receive our free credit reports at COMMERCIAL FREE! I recently requested mine and it was ridiculous the repeated offers for them to make money off my request for something that is rightfully mine for FREE. I should be able to simple go in, request..& receive. I also feel it is WRONG WRONG WRONG that once a consumer receives their free report they are barely understandable. It is honestly set up as they the agencies do NOT want consumers to be able to clean up thier credit. I was absolutely shocked at how difficult it was to read my reports, and in some cases had NO idea who the creditor even is as its all masked. I have a degree in business mgmt, so its not like Im some clod who cant understand rports....these are ridiculous. And the process to correct an error is also insanely slow. Ive been battling them for 2 months now..and they still cannot get the correction made, tho its been reported by the creditor. These agencies hold our lives hostage due to thier ineptness. So the idea they can make $$ off trying to upgrade a free report should NOT be allowed. Please please make this change! Thank you, Brenda Scott