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.

     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.

     Also, please REQUIRE the three major credit reporting agencies and Fair Isaacs to release credit SCORING

     FORMULAS in detail in order to permit consumers the right and ability to prove the accuracy of the

     computation of the credit score AND to permit annalysis of the score FORMULAS in order to insure that they

     represent credit risk in reality rather than a means to increase risk score and lender profits on good credit risk

     citizens.

     Sincerely,