16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00504

Submission Number:
545091-00504
Commenter:
Mrs Dee Wadsworth
State:
TX
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

As a gerontologist, I witness older adults becoming confused about "freecreditreport.com" when in fact it is a paid service to monitor one's credit activity. Very deceptive. The TV ads are even worse than the print media. Older adults have commented to me "how can they use that website name if it's not free?" Good point. Websites that use the word "free" should in fact be free, no charge for any services. Plus, this company should be required to put it on the first page and the "about us" page that to obtain the federally mandated centralized source - the truly free source, go to annualcreditreport.com For ease of reading, the font should be 12 pt and the style would be Arial or Verdana (not Times New Roman). The annualcreditreport.com website (since it is not a .gov website) would be best to have no banners or side ads or pop-ups that confuse people about "free." I would like to see a FTC symbol on each page of the annualcreditreport.com website so that the public knows it is the once mandated by the FTC. Sort of "look for the Good Housekeeping Seal."