16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01077

Submission Number:
545091-01077
Commenter:
Chou
State:
CA
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 got my credit report from FreeCreditReport.com last year. The first report was free but then I got charged $14.95 monthly. Credit card information was required to get the first free report. However, the website has not mentioned clear that people will be charged monthly on their credit cards. I called to cancel the service later but it still made me feel that it was not right to confuse people this way. I strongly feel that it is necessary to have some rule or law to protect people. Clear and easy to see disclosure is indeed necessary.