16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00055

Submission Number:
545091-00055
Commenter:
Ms. S Ratkowski
State:
KY
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 de-clutter the free annual credit report web site, and make it simpler. There should be NO advertising, no offers, no hyperlinks to commercial sites, nothing EXCEPT three check boxes, one for each credit report. When you check a box, it delivers a PDF file that you can download and read at your leisure. Three checks, and you get all three credit reports. The PDF files could include the web links for the three credit agencies, and then, if you wish, you can go see what they are trying to sell you. The whole process should take 5 minutes. It took me over an hour to thread my way through the mess, and I am a sophisticated user with an MBA and a background in computer security. I have an MBA, and technical training on computer web sites, and I was still confused about what was being offered. What hope does the average user have to thread their way through this jungle? PLEASE PLEASE PLEASE stand up for the little guy. Do the right thing for the average consumer.