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<tr><td><b>Comment Number: </b></td><td>534030-00006</td></tr>

<tr><td><b>Received: </b></td><td>1/12/2008 9:06:49 PM</td></tr>

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

<tr><td><b>Commenter: </b></td><td>Charles Costa</td></tr>

<tr><td><b>State: </b></td><td>NY</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 freeze laws should make freezes permanent for any consumer who requests them. The freeze laws would save the government and businesses billions of dollars which are lost due to fraud while also reducing the stresses experienced by millions of victims every year.</body></html>