16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00343

Submission Number:
545091-00343
Commenter:
Mr. Robert Schroeder
State:
PA
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 think it's utterly ridiculous that a complete stranger (a creditor) can view our credit report and FICO score at any time and we the consumer, only have the ability to see it for free once a year. Furthermore, that free credit report doesn't even include the FICO score. If others can see it, even when we haven't given them permission to view it, then we should be able to see it ourselves at any time of the year! Additionally, the creditors and providers of consumer paid credit reports are able to capitalize on the bad luck of people who have run into hard times such as job loss. We're giving companies the ability to make money off of the hard times people have gotten into, in most cases, not of their own actions. There should be a provision for those hit with special circumstances. I also think it's absolutely appalling that a company can judge a job applicant on their credit score. I have divorced a wife over her unscrupulous financial deceit of many creditors and fighting out of unemployment at this time. The viewpoint of many "institutions" is that I was fully aware of her illegal activities. That because we were married, I must have known about what she was doing. Nothing could be further from the truth. She was a master of deception, a sociopath who was able to con many a bank teller and car dealer as she was stealing money though check kiting, and purchasing a Volvo in my name without my signature, to filing a falsified electronic tax return which I was responsible for over $14,000 of back taxes. I was the unknowing victim of a criminal and I should not have to pay for my FICO score, worry if a prospective employer reviews my credit history, or be held responsible by creditors looking for their money when I wasn't responsible for her actions. New laws need to address these special circumstances and we, the american public, shouldn't be forced into paying for these scores, since after all they are ours! I hope you take this seriously. Make laws that help the american people. You can start by taxing the wealthy and those that can afford legal representation to fight the unjust systems set up in America. Robert Schroeder