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. The process of generating these

      reports involves the same computer program that the citizens in the West or East - perhaps the only burden to

      the company (or post office) would be stuffing the reports into the envelopes and carrying those envelopes to

     us.

     But, credit bureaus have little incentive to reduce their errors in managing our information. I am currently trying

     to clear a matter with bureaus about an amount that was paid in December 2003. There is a management

     system called "Six Sigma" which suggests that errors may not ever be completely abolished but that a target

     of less than 1 error in 1 million transactions should be expected if we wish to do our business with these

     credit bureaus - but we have no choice about who keeps track of our credit rating.

     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.

     If the credit agencies can use our personal information to market to others. We citizens are not likely to

     request these reports as much as the credit bureaus might imagine.

     Sincerely,