|Received:||11/5/2004 12:22:17 PM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:Consumers should be provided the ability to access their full Credit Report from a Credit Reporting Agency each month for no charge (online), or a nominal fee ($2.00) via mail. Companies that wish to access these records should bear the financial burdon of using the information, including the cost of Consumers having to constantly check up on their records because the Credit Reporting Agencies can't accuratly keep records. In this manner, an excess of financial pressure is placed upon those utilizing credit scores to only use them when truly necessary, and an excess of financial pressure is placed upon the credit bureaus to keep accurate records.