Among those expressing concerns for commercial expression on the Internet and free commerce were: the Interactive Advertising Bureau, National 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 check free credit score Baton Rouge 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 Virginia. Getting a 'free' credit report is one of the most confusing check free credit score Baton Rouge and frustrating experiences there is, writes Nicolas Guzman of Virginia.
The credit reporting companies do everything they can to confuse you and get you out of the 'free' site and into their paid services. Nonfree commercial links should be CLEARLY stated as such or prohibited. I have to be very careful when I request my report to check free credit score Baton Rouge 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 rules in time for the Feb. Criticism of commercial site Many people criticized the most visible of check free credit score Baton Rouge the commercial websites, FreeCreditReport.com, which is owned by Consumerinfo.com Inc., a division of the Experian credit reporting bureau. free gov credit report Television ads for the site feature humorous depictions of singing, costumed identity theft victims.
They could have avoided the ensuing problems, the ads claim, if they had checked their credit reports on FreeCreditReport.com. In 2005, the FTC filed suit against the site and has collected more than $1 million in fines for deceptive marketing tactics. The FTC got so many complaints about FreeCreditReport.com that the check free credit score Baton Rouge agency even produced a commercial of its own spoofing the commercial ad and raising consumer awareness of AnnualCreditReport.com. I am check free credit score Baton Rouge SO sick of hearing the false advertising in 'FreeCreditReport.com' commercials I could scream, writes David LaReau of Illinois in comments filed with the FTC. I almost got suckered into this some time ago, until I refused check free credit score Baton Rouge to enter a credit card number. These ads are lies and should be outlawed (isn't false advertising illegal?). free credit reports annual You get a free credit report if you pay for it; if you have to pay for check free credit score Baton Rouge it, it isn't free, is it? An Experian representative indicated that if the FTC rules become final and they have to include disclosures on their FreeCreditReport.com ads, it will comply. We remain committed to clearly and conspicuously disclosing to consumers that the free report we offer is not the free annual credit file disclosure provided by federal law, according to a statement. Even legitimate site has problems AnnualCreditReport.com is a website that was launched in 2004 after the Fair and Accurate Credit Transactions (FACT) Act established guidelines for consumers to receive one free credit report from each of the three major credit reporting bureaus (Equifax, TransUnion and Experian) annually. The law allows check free credit score Baton Rouge consumers to apply in one of three check free credit score Baton Rouge different methods: by a toll-free phone number, in writing or via the centralized website. Since many consumers have reported being confused by commercial advertising sprinkled throughout the order process for the free report, many consumer advocates advise people to put their requests in writing. When applying through AnnualCreditReport.com, the site first asks consumers for their state of residence and then opens a form seeking check free credit score Baton Rouge their name, address, date of birth and Social Security number. monitor credit score Consumers must then select which of the three credit reporting agencies (CRAs) from which they wish to obtain their free credit report. Once selected, consumers are redirected to an Experian, Equifax or TransUnion site.
They ask questions about one of your active credit accounts (i.e., What is check free credit score Baton Rouge the typical balance paid on a mortgage that you hold? With which financial institution do you hold the loan?). This is to help verify that they have the correct person's credit report. Below is a sampling of public comments made to the FTC about proposed regulations of come-ons for free credit reports. First, give the free credit report, THEN ask for the credit card information. -- Robert Konrath, Florida The official site should not be cluttered with confusing ads ...
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