16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00268

Submission Number:
545091-00268
Commenter:
Dave DuPlantis
State:
IN
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 love the change that would require private companies to clearly state that you do not get a free credit report from them, particularly the frauds at freecreditreport.com. Too many people get suckered in by deceit and trickery. I also like the other proposed changes. I think annualcreditreport.com is usable, but anything you can do to clearly separate the paid credit reports from the free credit report is a good idea, again to help distinguish the two for people who aren't sure which is which. The only thing this doesn't really address is the credit reports themselves: I think the root problem (and the reason why so many people should be getting free credit reports) is the inaccuracy in the reports and the great difficulty that the average consumer has in getting those inaccuracies corrected. I know that is probably outside the scope of these changes, but if you would be able to address that either now or at a future date, it would be greatly appreciated by a lot of consumers.