16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00597

Submission Number:
545091-00597
Commenter:
Mrs. Shirley Martin
State:
LA
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 reason we go on these sites is to get a free FICO score. If we wanted just a credit report, we would go to annualcreditreport.com. None of your advertising will work because you cannot regulate the credit bureaus to have the same information on credit reports. I still can't understand why they can't provide the Beacon, credit score and/or FICO score when we request the annual credit report. These bureaus are unregulated and they do not do a good job when you have a dispute (e.g. why does a negative statement stay on an account once the account is paid off?)They swear that the credit score is so complicated that you need to get the credit score. Change the way they keep negative comments on your credit record and you rule!When they use words like "may" and "generally", the public doesn't have a snowball's chance in hell to fight them.