16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00145

Submission Number:
545091-00145
Commenter:
Mr Stacey Jansen
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

There's a few things I don't like about the annual credit reports process. 1) It is a little confusing when you go to the annualcreditreport.com website, because after you select the annual report and select the provider, you get to a provider page that is selling something more than the annual report...and it takes a little while to find the right place to request the report. 2) I would like to set it up and forget it. If the public is entitled to an annual credit report from each provider, then it would be nice if a consumer could set up to receive a credit report from Experian in Mar, Equifax in Jul, and TransUnion in December...that way receiving an automatic free credit check each 4 or so months. I find no way to do this. The companies can then send an email that says your annual credit report is available for viewing. This is similar to setting up automatic bill paying or on-line account statements. I get an email from my bank, my credit card, etc that says my statement is available. I would have to have an account and password set up to access the report. 3) I do not like that the free credit report is only available for a certain amount of time, I believe 30 days. I did not print one after I requested it and as a result, my time expired and if I wanted another report from that provider, I would have to pay because it was within the 12 month period. A free report should be available for 12 months after requesting/publishing until the next opportunity to request another free annual credit report. 4) If the company still wants to advertise, they could attach an ad to the beginning or end of the free report, but not make the consumer have to go through the advertising section, before finding the free annual report. Thanks for listening Stacey Jansen