16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures
1. It is confusing to use the site, because the agencies are allowed to offer a subscription service PRIOR to giving you the FREE information required by law. I almost did not follow through on retrieving my report, because I thought I had accidentally gone to a commercial site. 2. No agency or entity should be allowed to advertise on TV, Radio, or in Print,"Free Credit Report" if any money would be exchanged for any reason. It's not free if you have to pay for it, even when it is bundled with something else. 3. Agencies should be allowed to advertise their subscription services, but only after the FREE report is delivered.