Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Please support faster free credit reports

     These days, a person's credit is more important than about anything, except a person's prison or arrest

     record.  Driving records, school records, everything else pale before the difference in a person's life a credit

     report mistake can make.

     The fact that millions of people a year PAY MONEY to check their own credit report for errors is a disgrace. 

     Credit agencies should be run as a public institution, or utility, since they've become a defacto public

     information storage. 

     I urge the FTC to make annual free credit reports available to every American, even if you haven't been a victim

     of denied credit.

     In addition, the Credit Bureaus should not be able to market their products to you using your information --

     they should send you your credit report, so you can check it for errors, and keep their marketing to themselves.

     I'd suggest that credit info should be held by a public institution, run by the FTC or some other government

     organization, especially since credit info has become such an inordinately important part of a person's life. 

     But that's not going to happen -- too commonsense, and takes profits away from companies.