Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Faster free reports, with a privacy guarantee

     To the FTC:

     I urge you to make annual free credit reports available more quickly to all Americans, rather than delaying

     access to most of the country at the unjustified request of the credit bureaus. FOR MANY OF US, ESPECIALLY

     SMALL BUSINESS OWNERS, OUR CREDIT RATING IS OUR MOST IMPORTANT ASSETS.  AND SOME OF US

      NEED TO HAVE OUR CUSTOMERS PROVIDE US WITH THEIR CREDIT HISTORY IN A TIMELY MANNER.

     Also, the rule should make clear that information is only collected to verify identity. Many consumers, including

     me, don't think it is fair to give up personal information to take advantage of an important new federal right to a

     free credit report.

     Sincerely,