16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00017

Submission Number:
545091-00017
Commenter:
Ingrid Richardson
State:
MD
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

Forgive my submitting this again, my browser kicked me out before I submitted my original comments. I applaud your web page for fraud reporting (especially identity theft) and have recommended it to co-workers when companies and/or individuals were attempting to rip them off. Now- I want to ask that you put the taxpayers' money where your Agency's mouth is when it comes to getting "free" credit reports. In the past I requested free credit reports by telephone and waited 2-3 weeks before I received them in the mail. Now I attempted to get a free credit report through the web page set up by your Agency and even though I checked all three boxes I only got one free credit report (Experian). A free report now (in this economy) is the consumer's best and most valuable tool to prevent identity theft, track erroneous charges/information and most importantly review spending habits and gives a person a chance to see how they stand in the free market. Please don't back down against the credit behemoths (your David to their Goliath) when it comes down to reforming an area of law that is sorely neglected consumer credit. I am hesitant to give any more than rudimentary information as I don't know where this is going on the WWW before your secure server uploads my comments. Ingrid Richardson