| Comment Number: | 545091-00392 |
| Received: | 10/14/2009 |
| Commenter: | Ms. Karen Lawson |
| Organization: | |
| State: | NV |
| Agency: | Federal Trade Commission |
| Rule: | 16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures |
| No Attachments |
Comments:
Greetings: I believe that annualcreditreport.com provides a very useful service for consumers who don't want or can't afford getting caught up in "free" offers promoting credit services for a fee. Particularly noxious are the free credit report.com ads slanted toward younger consumers--the cute front man of the band rapping away about how he shoulda gone to free credit report dot com. I suggest that the annualcredit report. com site be designed so that the landing page does not display upsells of any kind; only legally entitled free credit reports, period. At the bottom of the landing page, if deemed absolutely necessary, there should be a "for credit related offers from our sponsors, click here" button. An unconscionable level of unrestrained captialism has overtaken any consideration of consumers' best interests. I would prefer to have the annual credit report site completely free of upsells and advertisements. As a freelance writer who writes educational material for consumers, it never ceases to amaze me how little folks read and make the effort to protect themselves from scams and upsells. I had no problems accessing my free credit reports on www.annualcreditreport.com, but I am a capable researcher and know how to find what I'm looking for online. Thank you for your time. I hope these comments are helpful. Best regards, Karen Lawson