16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00611

Submission Number:
545091-00611
Commenter:
orander
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 am very happy to have comment on these advertisements from "free credit report.com". In my opinion, they are very misleading. Not only is the report not "free", but it gives the illusion that if consumers "knew" what the credit report looked like prior, it would change the situation they are in now. Simply "knowing" your credit report will not change an outcome. That would come during the development of the report. These ads make it seem like if someone knew what there credit report was like, they would not be jobless, or in a difficult situation. The fact of just knowing your credit report has nothing to do with the outcome. It also concerns me that this company can "sell" critical information about someones life, that the individual could not get without buying into this.It is absolutly misleading, in my opinion.