I propose 2 new requirements: 1. A requirement that the actual credit score be provided for free. The credit report info is interesting. However, I don't understand why the credit reporting agencies have been allowed to consolidate this information into a number without also taking on the responsibility of providing that number to me - for free. I'm sure that most companies that request my credit info concentrate on the credit score and spend very little time looking at the credit report. 2. A requirement to allow for an entry provided by the individual [perhaps with a reasonable character limit]. Listed on my credit report are two "previous addresses". I have never lived at either address (my adult offspring have each lived at one of the addresses). I have not been able to get either address removed from my credit report for very long - if I go through the trouble of calling the credit reporting agency (electronic means won't work), the info can be removed, but by the time I look at that agency again (I have to wait 1 year to get it free), the addresses have returned!
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures #545091-00545
16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures