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<tr><td><b>Comment Number: </b></td><td>545091-00002</td></tr>

<tr><td><b>Received: </b></td><td>10/8/2009</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>D Yelton</td></tr>

<tr><td><b>State: </b></td><td>FL</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures</td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>I agree with the proposed changes in relation to "free credit reports". A user attempting to get their "free" credit report online is subjected to onerous sales/marketing gimmicks from the 3 major credit reporting agencies. PLEASE enact these changes ASAP. 

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