16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00246

Submission Number:
545091-00246
Commenter:
Mr. Alexander Harris, Jr.
Organization:
Retired
State:
AR
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

Dear Sirs, For a citizen to obtain their "free" credit report is a real excerise in manuvering through a real maze of on-line garbage! This is really the story with those citizens who are not really computer savvy and have not had the experience of going through an on-line maze. When the statement "free" is made there should be NO strings attached to that statement. Some time back I tried to go on line and get my "free" credit report. Out of the 3 organizations that provide them I was only able to get it from one of them for free. All of the others wanted me to sign up for their services BEFORE I could get my report. Makes one wonder if signing up with them will improve your credit score with them! I would like to see the Free Credit Report to be just that without any strings. I would like to see that when the word "free" is used that is just what it will be. If the credit services want to sell a service that is fine but not in conjunction with me obtaining my credit score. Personally, I feel that the way they are promoting the "Free Credit Score" on TV today is infact deceptive advertising simply because if you follow their suggestion it will not be free. I hope you all can correct this deception. Regards, A. E. Harris, Jr.