16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00510

Submission Number:
545091-00510
Commenter:
Ms. Carol Braund
State:
NY
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 requested my first 'free' credit report this past year. I used the e-mail address found in the newspaper. I thought I had completed the process- and had printed out my three credit reports- when I was notified by e-mail that I owed $25.00 for my years monitoring. I responded that it was 'free' and was told that the information was free, but your credit number was not free and that is what they were charging me for. I tried, without success, to deny payment- but in the end I had to pay the amount and then they cancelled the future credit monitoring. I strongly support the efforts to have the credit information available- and then the option of applying for future credit monitoring after you have your credit report.