|Received:||11/26/2004 8:51:00 PM|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:Any free annual report provided to the consumer in accordance to federal law or state law should include the score with no additional cost. There is more than ample opportunity for reporting agencies to *make a profit* by other means either by annual subscription to services or additional reports the consumer may purchase. Keep in mind, agencies make their money by persuading creditors to use their particular agency. There is no need to place additional demands on the consumer when it is difficult enough to monitor, dispute and obtain corrections to consumer's credit reports.