16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00189

Submission Number:
545091-00189
Commenter:
Mr Walton H Low
Organization:
individual
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

I obtained my free credit reports in 2008 from annualcreditreport.com. I was able to maneuver through the front page, the information input page, and the subsequent pages that ordered my report from the three credit bureaus. The annualcreditreport.com web site is easy to use and have sufficient information from which to obtain the reports. However, there is much confusion regarding the other "free credit reports" advertisements in print and TV. These advertisements are so pervasive such that I forget where I can go once a year to obtain the actual free reports with no obligations. I forget about the annualcreditreport.com link because I only think about it once a year. Whereas, the constant advertisements leads me to believe that they are the "free" source. May I suggest that the FTC more effectively advertise the annualcreditreport.com web page? Alternately, when viewing the other "free" report web sites, the annualcreditreport.com link be prominently displayed and explained. Thank you.