16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00216

Submission Number:
545091-00216
Commenter:
Mr. Kevin Graham
State:
NJ
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

Well, firstly I've never been able to get a free credit report from that site, it always says 'you've already gotten one' or there is an unspecified error, which i have to write to the bureau for, and they never tell me when i do. Transunion asks me for a log in, which i don't have. experian claims I've already gotten it, which i haven't equifax claims that there is an error, then the site becomes useless. Not to mention that the questions are so vague as to invite a mistake. This site is currently the best example of 'limiting access by obfuscation' that i have ever seen. It is intentionally setup to fail more often than not to keep most of the general public from seeing their report for free. The only way to get these bureaus to do it right is to do it for them. Is it so hard to get something like mint.com? that's easy to understand, easy to use, AND secure? no it's not hard, there is a lack of will on the part of these three major bureaus to change. go ahead, try to have any of your friends and family get their annual free credit report from these clowns, and see what happens. See how difficult it truly is, then write policy about what these agencies are supposed to do based upon their frustration. As for 'freecreditreport.com' seriously, why is this even legal? why is it even legal for them to trick you, to say one thing in bold, but another in fine print? Why not say 'all claims about the service in small font, should be in the largest font used on the page, as in their advertising' no more small font (fine print). What ever happened to truth in advertising anyway? freecreditreport.com IS NOT FREE, not even by a long shot, and it should state that in CLEAR CONCISE LANGUAGE. My mother has been duped by this site, and she's not very internet savvy, it's a damn shame. A large page with just the words ' The report you get from this site IS NOT FREE -FTC' not hard seriously.... All you have to do is google 'free credit report' and you'd have a decade's worth of violations to keep the justice department lawyers busy. I don't expect much to change however, it is the government we're talking about here, and it's the best one money can buy. -Sincerely a frustrated American citizen/veteran Kevin Graham