Obtain free credit report Rapid City

-- Carl Thomas, Nebraska As a gerontologist, I witness older adults becoming confused about 'freecreditreport.com' when in fact it is a paid service to monitor one's credit activity. -- Dee Wadsworth, Texas Please remove all of the unavoidable options for costly reports.

--Richard Stevens, Maine Obstacles clutter 'free' path After that, the selling starts. The Equifax order process, for obtain free credit report Rapid City example, starts with an offer to view your FICO score once for $7.95 when you receive your free credit report. Another offer on the same page pitches a service for two in-depth FICO scores for $7.95 per month. Consumers must click No thanks on that offer page before they can continue processing their request for a obtain free credit report Rapid City free credit report. Other services are pitched through the checkout process and consumers who do not want to pay additional fees must be careful not to select any of the products. The FTC wants all of those advertisements removed from the process. Under the proposed rules, the agencies would have to wait until after consumers receive their free reports to contact them for additional paid services. my credit James Odell of Virginia said the easiest part of getting his free credit report online in October 2009 was selecting which of the three credit bureau reports he wanted.

After that, I found it quite confusing trying to stick strictly with the free site when it kept giving links to other places and advertising ads, Odell wrote in his comment. Make this form simple: Remove all the ads and you get your credit report within minutes!

IF people want their credit score obtain free credit report Rapid City or other services they can get them after the 'free' credit report is shown to them online. Rules go too far, industry group says In the five years since the free credit report rules went into effect, about 150 million free credit reports have been sent to consumers, according to comments filed obtain free credit report Rapid City by Stuart Pratt, president and CEO obtain free credit report Rapid City of the Consumer Data Industry Association (CDIA), a trade group representing the major credit reporting bureaus. yearly free credit report government The group contends the FTC is overstepping its authority by banning special offers and ads while free credit report requests are processed. The rule's coverage ends once a consumer requests the free file disclosure; it does not extend beyond that point, Pratt asserts.

In addition, the group argues, banning the ads violates the bureaus' right to free expression. They argue that getting a credit score along with the free credit report enables consumers to learn how information in their credit obtain free credit report Rapid City report files affects their credit score.

Pratt notes that the proposed rules don't go far enough in curbing practices of third-party commercial sites that aren't affiliated with the three major CRAs, but charge fees for consumers to obtain free credit reports. The FTC'obtain free credit report Rapid City s proposed rule does not focus on these kinds of abuses, he writes. Charles Burnett, president of Evergreen Credit Reporting, a small Nevada CRA that operates creditreporting.com, said in comments his business will be affected by the proposed rule requiring any Internet sites that offer free credit reports set up a separate Web page (called a landing page) that includes the FTC disclosure: This is not the free credit report obtain free credit report Rapid City provided for by federal law. credit report free score To get your free report, visit www.AnnualCreditReport.com or call (877) 322-8228.

Burnett called the rule extreme, adding the landing page will direct most if not all potential customers to the government website whether the customer is looking for the free annual credit report under law or not.

He adds: We do not attempt to mislead consumers, but we do generate revenue for our company by selling credit reports and related products to consumers, and we are sensitive to FTC requirements that may adversely affect our ability to sell legitimate products.