16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01052

Submission Number:
545091-01052
Commenter:
Dee Wilson
Organization:
citizen
State:
NC
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

All the ads for free credit reports are certainly confusing! Many of them lead a citizen to believe that they will receive the free report as mandated by the Federal Government. Thus said, 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. Additionally, pass this along to the appropriate commission: Auto insurers should NOT be allowed to jack up auto rates based on credit reports. Credit reports do not reflect the driving ability of the consumer applying for auto insurance. I am currently paying yearly more than my car is worth due to the auto insurer utilizing credit reports, and I have not had a ticket or accident in over 15 years! This practice is ludicrous and unfair. No wonder so many drivers can't afford insurance and must drive uninsured to get to their jobs!