16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00450

Submission Number:
545091-00450
Commenter:
Jusak Djatmiko
State:
CA
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 have been attempting to navigate freecreditreport.com for hours before finally giving up, getting so frustrated and furious, and ending up paying Equifax for the report that legally is supposed to be free. What makes me even more furious is because I do consider myself a highly internet literate. Practically speaking, the main issue is the web-design and the web-layout of the 3 credit reporting bureaus which deliberately wish to be difficult, frustrating and impossible for the public to use and to navigate. Therefore, for the sake of practicality, it is beneficial to the public if the FTC can provide a set of legally-binding compliance regarding the design and layout of such webpage that is meant to deliver a free credit report. The FTC must enforce the rules and make the three credit bureaus to fully comply with the design and layout rules. Ideally, such a rule on the web design and layout must: (1) be less than 7-clicks away from the main page to the free credit report, (2) be uniformed in one way or another. If not uniformed in design or layout with only a company logo differentiate the page, then be uniformed in certain clickable logical-image that the public can easily follow through and understand. The uniformed images that link to the next page must be clearly visible and take a good proportion of the page, (3) be free from any kind of advertisement until the free-credit-report is delivered, (4) be legally binding and compulsory, so that any attempt by the 3 companies to circumvent the instruction can be a ground for a class-action, (5) be made public, therefore the knowledge for obtaining the free credit report can be easily disseminated. Thank you.