|Received:||3/25/2004 8:00:00 AM|
|Commenter:||james St James|
|Agency:||Federal Trade Commission|
|Rule:||FACTA Free Reports Proposed Rule|
Yearly reports are not enough to detect fraud. In this day of instant communications, and 60 second credit decisions, a lot of damage can be done within days. A free disclosure, with numerical score, every month is much more realistic if fraud is to be detected and stopped.