16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00166

Submission Number:
545091-00166
Commenter:
Mr. Jef Jaisun
State:
WA
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

Tonight I decided to check my credit report for the first time in several years. The good news: A-1 at all three agencies, "0 negative reports." The bad news? Every agency bombarded me with a load of misleading buttons, banners, offers and crap to wade through! I don't recall it being that bad the last time I checked my report. Obviously, the agencies are trying to maximize their profits (like they don't already). But this was clearly designed to confuse people. I didn't fall for it, but I had to navigate very carefully, and keep scrolling down to the bottom where it invariably said, "No thanks. I just want my report." Now I don't know what's more irritating, those inane and deceptive TV commercials for bogus "free" sites, or the actual "free" sites themselves! The FTC should remove ALL advertising and marketing by the credit bureaus -- before, during and even AFTER the process of getting a free credit report. It's a pain to have to worry about identity theft or mistakes when checking my credit report. I should be able to get my reports and exit the respective Web sites without having to go through a gantlet of sales pitches. Why give the bureaus a commercial crack at all? If the FTC really wants to end consumer confusion, AnnualCreditReport.com should be completely commercial-free!