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<tr><td><b>Comment Number: </b></td><td>534030-00001</td></tr>

<tr><td><b>Received: </b></td><td>1/10/2008 5:35:40 PM</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>Bob Chugh</td></tr>

<tr><td><b>State: </b></td><td>TX</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Credit Report Freezes</td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>Credit freezes are important for consumers. Ability to control our own destiny and information should be with consumers, and not the banks or the credit agencies. This tool gives credit worthy and responsible people guarantee that they wont be the target of unscrupulous elements who take advantage of how tons of government and private organization mismanage sensitive data about them.


Thanks,

Bob</body></html>