16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01083

Submission Number:
545091-01083
Commenter:
KEITH GIORDANO
Organization:
INTERNATIONAL REPORTING & CO., INC.
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

I'M PRETTY SAVY AT USING THE INTERNET AND ALSO GO TO ANNUALCREDITREPORT.COM TO CHECK MY REPORTS WITH ALL THREE BUREAUS. YES, THE ADVERTISING IS OVER THE TOP AND YES, YOU MUST KNOW HOW TO GET AROUND IT SO THAT ONE DOESNT SIGN UP TO GET THE REPORTS WITHOUT THE "MONTHLY" FEES FOR OTHER SERVICES. I WOULD POINT OUT THAT MOST LENDERS IN THE U.S. NOW GO BY THE SCORES MORE THAN ANYTHING ELSE. THE ANNUALCREDITREPORT.COM WEB SITE DOES NOT INCLUDE SCORES, SO IF YOU WANT TO SEE WHAT THEY ARE, AGAIN YOU MUST PAY FOR THEM. ESSENTIALLY, ANNUALCREDITREPORT.COM IS A LEAD IN TO GET A COPY, BUT YOU MUST PAY FOR SCORES, THEREBY MAKING IT USELESS SINCE YOU CANT SEE WHAT A LENDER SEES.... SOMETHING SHOULD BE ADDED TO THE BILL TO PROVIDE THEIR SCORE ON THOSE REPORTS FOR $0 ON AN ANNUAL BASIS.