16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00395

Submission Number:
545091-00395
Commenter:
Patty Schwartzbeck
State:
NE
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

Date: October 14, 2009 To: FTC Office of the Secretary, Annex T 600 Pennsylvania Ave., Washington, D. C. From: Patty Schwartzbeck 2540 N. 61 St., Omaha, NE RE: Free Credit Reports -- as seen in the Omaha World Herald Michelle Singletary column -- 10.12.09 To the Commission: As requested in Ms. Singletary's column, I would like to respond about the topic of Free Credit Reports and the confusion of marketing/advertising on the websites of each of the three credit bureaus.....and the proposed changes by the FTC. I am concerned about identity theft -- and uncorrected errors on reports. Also, I would like see that the credit agency promotions and hyperlinks.....(all statements should be clear to the consumer) be removed from the credit agency websites. As consumers, our credit life is hard enough - let alone that we have to wade through other information not necessary to the personal reports. These reports seem to rule our lives. I would like to see the FTC get tougher on the credit agencies. The public needs these protections. The credit agencies do not need to market to us(before, during, or after) while we are on the websites....we know who the credit agencies are -- and how to contact them......and.....we need to know that we have not roamed off of the official website(s). Please end the consumer confusion. My thanks, and respectfully submitted, Patty Schwartzbeck