16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00870

Submission Number:
545091-00870
Commenter:
Mr. Winston BeLisle
State:
MO
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 recently requested a copy of my free credit report and it started costing me money from the company that advertised it. I think this isn't fair to the consumer. I had the charges canceled on my credit card and never saw my free credit reports online. The way it was done, it took forever to try to get them of which I never got... this was back in the later part of July of this year. How about doing something about this.. I think the credit reports don't really fully explain the person's situation accurately. I've been trying to get a loan, on my rental houses, since 1999... because I wasn't able to get one... I lost some property to a bank that took it back... had a renter that owed me over $1500. on rent... I owed the bank $1000 to catch up.. I told the banker that I'd get caught up... I had only been banking with him for 35 yrs.. to say the least, I quit him. The loan officer also told me that the loan I took out would be a two part loan... I got $20,000 at first and was suppose to get another $20000 later for a total of $40000. I lost 4 houses over this situation. I took the bank to court over it and the loan officer lied in court.. I know, I had heard what he said. I was made out to be the lier in court, and that is something I don't do here. I feel that is what the situation is that is going on with the houses be repo'd in America... missaid promises... not being put down and signed and then foreclosed on. That is just my feeling and comprehension of this situation is.