16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00906

Submission Number:
545091-00906
Commenter:
Ms Barbara Miller
State:
NJ
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 support your proposal to require a separate landing page on sites which advertise free reports which explains that the reports are NOT the free reports guaranteed by the federal government. I also support your proposal to delay advertising for other credit products until after consumers obtain their free annual credit reports. I signed up for one of these and nowhere on the website did they explain that there was a $29.99 monthly fee after the first 7 free trial days. I had to email customer service to find out what the charge was. I will say that they were excellent in canceling my service immediately without charge, but their website was deceitful. It was based on a misleading TV ad that nowhere mentions the fact that your free credit score comes with a fee for credit report service. This deceptive practice in both websites and TV ads must be stopped.