|Commenter:||Mr. Arthur Goad|
|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|
Comments:Dear Sir, The Free Annual Credit Report has never been FREE. The Credit Reporting Agencys always have some gimmick to get more information from a consumer than they should. Please make this service FREE with no other information required other than whats needed to get the FREE report. The Free Credit repoprt should always contain a consumers credit score also. I recently canceled a paid-up credit card that I rarely ever used and requested that all three consumer credit reporting agencys be notified that it was canceled by consumer. My credit score went down several points. These people should not be able to drop my score from 803 just because I canceled a credit card.