|Received:||12/27/2004 11:31:30 AM|
|Organization:||God's Little Helpers Inc.|
|Agency:||Federal Trade Commission|
|Rule:||Advance Notice of Proposed Rulemaking, Request for Comment|
|Docket ID:||RIN 3084-AA94|
Comments:No their should not be a fee or charge for credit scores to any one if these cra are able to get the report on consurmer and report it to other compaies for money, I feel that they are not help the consurmer that they make money on all ready. (1) after deits are paid off it stay on the credit report to long it should be take off once deits is paid and not left on for seven years. (2) this create a lower scores and a negertive veiw to the companies that cra are reporting to (3) God for give when you repent and change happen, if we are to live by God rules in the usa than let the credit reporting agency, change these sample rules before you began asking for money for a new service when the old one is not working fairly for the consurmer that you are making the money form any way. (4) if you want a good service that people can us fairly then reward your customer for clean up their credit and help them in the process of doing so (5) if the paid off a colletion agency delete it off the credit report right away (6) do not count inquirties at all because this is why cra say they have are information so other a view it for credits (7) scores should be rated high when you have clean up your credit and even highter when mantaing it , this will be fair reporting , so we can get better rate for homes and cars,ect.