16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00133

Submission Number:
545091-00133
Commenter:
Mr. Herbert Zwack
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

I would like to just make two comments concerning "Free Credit Reports". (1)If annual Credit Reports are to be truly free, you should not be required to enroll in the consumer credit reporting companies own in-house programs and surrender your credit card information, before receiving their free report. This is just a devious plan to receive more revenues from the consumer, just in case he forgets to cancel his enrollment within a specified short length of time. The company that requires your enrollment is Experian. (2)It should also be made clear that requesting an Annual Free Credit Report does not include your "Credit Score". Each of the three credit reporting companies charge a fee if you wish to receive your Credit Score.