16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-01087

Submission Number:
545091-01087
Commenter:
Sandy Love
State:
PA
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 free credit report and it really was free, but I wanted my credit score and had to pay for it. I don't think that is fair. And if something is offered for free it should be free with no strings attached. I'm in my 40's so I know to read the fine print. But if my parents who are in their 70's or my son whose in his early 20's would see an offer for a free credit report, they might not understand what they're getting into if there are strings attached. You have to protect those people who might not be able to understand these agreements. Especially when they are written in lawyer lingo. How is the ordinary person supposed to understand that language? I think they are hiding the details on purpose to cheat people. That's a crime! Then just try to get your money back. It will take forever!