16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00068

Submission Number:
545091-00068
Commenter:
Mr. Thomas Long
State:
VA
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

I support the following rule changes to ensure and improve consumers' access to annual free credit reports thru online, phone, or US Postal means: Credit bureaus should not be allowed to advertise additional pay services until after the consumer has received the free credit report. Links to credit bureau websites should be on the freecreditreport.com website only AFTER the consumer has received the free credit report. Links to pay services before that point are confusing and often lead consumers away from the freecreditreport.com site. If consumers click links on freecreditreport.com that take them to a proprietary page, they should be greeted by a bold warning and disclosure: "THIS IS NOT THE FREE CREDIT REPORT PROVIDED FOR BY FEDERAL LAW."