Credit score reports Rhode Island

There has been a proliferation of confusing advertising regarding where consumers can obtain their free annual [credit] file, according to the FTC. The new rules were drafted because a provision credit score reports Rhode Island in the Credit CARD Act credit score reports Rhode Island of 2009 says, beginning Feb. 22, 2010, radio, TV and other ads for free credit reports must include the following disclaimer: This is not the free credit report provided for by federal law. These advertisements direct consumers not to AnnualCreditReport.com, the authorized source for free annual file disclosures, but to commercial websites operated by the nationwide CRAs (credit reporting agencies) or others that sell a variety of products and services, according to the FTC. Further, when a consumer uses an Internet search engine to find the website for free annual file disclosures, the search engine will usually list 'sponsored' links credit score reports Rhode Island -- again, selling products and credit score reports Rhode Island services -- such as 'FreeCreditReport.com' first. As a result credit score reports Rhode Island of this advertising, consumers are often misled and confused about where to go to obtain the free annual file disclosure mandated by federal law. free credit reports Getting a 'free' credit report is one of the most confusing and frustrating experiences there is. The FTC is also seeking to make getting free credit reports on the official site -- AnnualCreditReport.com credit score reports Rhode Island -- less confusing for consumers. Today, the site makes it easy credit score reports Rhode Island for consumers to get sidetracked from the free path with ads and special offers for additional services that are not free.

The proposal would ban those pitches until after consumers have signed up for their free reports. Also banned: requiring consumers to set up accounts on the site before they can get their free reports. Hundreds comment on proposed rules Of the more than 1,000 comments filed with the FTC about the proposed changes, an overwhelming majority support the new rules. free canadian credit report

Carl Levin, the National Association of Attorneys credit score reports Rhode Island General and the National Consumer Law Center were among those supporting the rules.

Among those expressing concerns for commercial expression on the Internet and free commerce were: the Interactive Advertising Bureau, National credit score reports Rhode Island Business Coalition for E-Commerce and Privacy and the Direct Marketing Association.

The majority of comments were from consumers, some fuming over what they call deception when trying to obtain their free reports. The last time I got mine, I ended up paying a monthly fee for about six months before I identified the charge. This should not be tricky for senior citizens or anyone else, writes Patricia Poklemba of credit score reports Rhode Island Virginia. Getting a 'free' credit report is one of the most confusing and frustrating experiences there is, writes Nicolas Guzman of Virginia. The credit reporting companies do everything they can to credit score reports Rhode Island confuse you and get you out of the 'free' site and into their paid services. instant free credit report Nonfree commercial links should be CLEARLY credit score reports Rhode Island stated as such or prohibited. I credit score reports Rhode Island have to be very careful when I request my report to make sure I am on the right site and am not requesting any additional services I don't want, Carolyn Halloway wrote in her comment.

The FTC will review the submissions and decide whether to revise the proposals or publish final credit score reports Rhode Island rules in time for the Feb.