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They argue that getting a credit score along with the free credit report enables consumers to learn how information in their credit 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's proposed rule does not focus on these kinds of abuses, he writes. Charles Burnett, president of Evergreen Credit free company report Parkersburg Reporting, a small Nevada CRA that operates creditreporting.free company report Parkersburg 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 provided for by federal law. free credit report now 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 free company report Parkersburg not attempt to mislead consumers, but we do generate revenue for our company by selling credit reports and related free company report Parkersburg products to consumers, and we are sensitive to FTC requirements that may free company report Parkersburg adversely affect our ability to sell legitimate products. secure credit report Chamber of Commerce also filed comments objecting to the separate landing page requirement. The proposed rule would greatly discourage consumers from obtaining products on commercial sites. Businesses offer consumers a variety of useful products, many of which have been vetted by regulatory agencies. By setting up roadblocks to the sites that offer the commercial products, however, many consumers will be deterred from taking the extra steps necessary to obtain such products. reports getting thousands of complaints annually from consumers under the current system free company report Parkersburg whereby consumers are required to set up an account or provide a credit card, before they are able to access their free annual credit report. Because free company report Parkersburg the reports are free, there is no reason to require a consumer free company report Parkersburg to provide his or her credit card or to set up an 'account' with the CRA, according to comments free company report Parkersburg filed by Rodney L. irs free credit report