16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00399

Submission Number:
545091-00399
Commenter:
Carol Sullivan
State:
MD
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

The FTC should remove all advertising and marketing by the credit bureaus before, during and even after the process of getting a free credit report. It's a pain to have to worry about identity theft or mistakes when checking your credit report. People should be able to get their reports and exit the Web site without having to go through a gantlet of sales pitches. Why give the bureaus a commercial crack at all? If the FTC really wants to end consumer confusion, AnnualCreditReport.com should be commercial-free. Right? This is a quote from Michelle Singletary, Washington Post. I wholeheartedly agree. I was billed for about 8 months by TransUnion. I didn't know what it was. I finally cancelled my credit card to avoid the charges. To my knowledge I received notheing for all that money, $9.95 a month. I called TransUnion. They didn't know what the charge was. I wasn't aware that I had clicked on a button that caused me to be charged. Free Credit Report should be just that, not an opportunity for a business to trick you into incurring charges.