16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00376

Submission Number:
545091-00376
Commenter:
Richard Johnson
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

Any organization that uses verbiage that states or implies that the credit report is free MUST provide a totally free credit report without requiring any compensation or membership whatsoever. Adding disclaimers, or using fine print, cannot get them off the hook. If the word "free" or any of its synonyms is used, the report is free.