16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00094

Submission Number:
545091-00094
Commenter:
William Brown
State:
DC
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

The "Free Credit Report.com" commercials are misleading and should be stopped. FreeCreditReport vs. AnnualCreditReport, etc. are too easily confused. Eventhough the ads have fine print that says, "...only available with purchase of Triple Advantage" [sic.] viewer concerned about their credit rating or the threat of identify theft will get sucked into this before they know what is happening. I was almost caught in this one year when I wanted my annual 'free' credit report, and, while the sites sort of 'warn' you and provide a link to AnnualCreditReport.com, it is still too easy to confuse these offerings. Perhaps the FTC should only make the truly 'free' available via a link through FTC.GOV... something that is more official and trustworthy that just some 'dot com.' At the very least the FTC should ban the credit companies and their associated organization from using the term 'free' in their advertising. Thank you for the opportunity to comment. William Brown Washington, DC