16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01066

Submission Number:
545091-01066
Commenter:
Mr. George McQuain
Organization:
American Military University (Student)
State:
FL
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 "Free Annual File Disclosures Rule" should ensure that free credit reports are just that, free. When I say free, however, I am not strictly talking about monetarily. I am talking about free from hassle and the numerous attempts by the credit agencies at high-jacking my browser with advertisements. The proposal includes provisions to ensure that the credit bureaus can not advertise their wares until after the consumer has obtained his/her free annual report. This in itself seems like a proper course of action, however, I would like to further suggest requiring the agencies to facilitate a "portal" from annualcreditreport.com to a section on their website that strictly deals with the free report. If the proposed rule does not completely side with consumers on this issue the Federal Trade Commission will be viewed as condoning advertising aimed at deceiving, misleading, and in some cases confusing consumers to the point of depriving them of the free credit report they are entitled to by law.