|Received:||11/9/2004 10:05:09 AM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:Ladies and Gentlemen: A fair fee for receiving a credit score should be the cost of postage, and printing. A cost which should not exceed one dollar. It is patently unethical to collect personal information on consumers, permit its use to determine creditworthiness, and then derive a profit by selling such information back to the consumer. Sincerely, John H. Howell, Jr.