16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00121

Submission Number:
545091-00121
Commenter:
Mr. James Spray
Organization:
America's Mortgage
State:
CO
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

First, there should be a disclaimer in the advertisements for 'free' credit reports clearly identifying they are not related to the government mandated www.annualcreditreport.com. Second, all advertising within www.annualcreditreport.com should be eliminated so as to bring clarity to the process. The confusion the current misleading tactics deploy against consumers must be eliminated.