Credit report fraud Austin

The group contends the FTC is credit report fraud Austin 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, credit report fraud Austin 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 credit report fraud Austin 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 credit report fraud Austin of third-party commercial sites that aren't affiliated with the three major CRAs, but charge credit report fraud Austin fees for consumers to obtain free credit reports. online free credit check The FTC's proposed rule does credit report fraud Austin 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 credit report fraud Austin offer free credit reports set up a separate Web page (called a landing page) that includes the FTC disclosure: This is credit report fraud Austin not the free credit report provided for by federal law. anual free credit report To credit report fraud Austin get your free report, credit report fraud Austin 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 credit report fraud Austin mislead consumers, but we do generate revenue for our company by selling credit reports and credit report fraud Austin related products to consumers, and we are sensitive to FTC requirements that may adversely affect our ability to sell legitimate products.

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. annualcreditreport Businesses credit report fraud Austin offer consumers a variety of useful products, credit report fraud Austin 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.