Comments:

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

     Faster free reports, with a privacy guarantee

     To the FTC:

     Annual free credit reports must be made available more quickly to all Americans, rather than delaying access

     to most of the country (and me in Utah in particular) at the completey unjustified request of the credit bureaus.

     The rule MUST make clear that information is only collected to verify identity. I don't want to give up personal

     information to take advantage of an important new federal right to a free credit report, only to have these

     scoundrels get new infor on me and sell it!!

     Sincerely,