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. A December 2004 timetable is more then sufficent for the credit bureaus. Also,

     if a staggered rollout is necessary the spread should be a couple of weeks per region (perhaps four regions

     nationwide). If the reason for the staggered launch is truly load then a short stagger should be sufficent.

     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,