I appreciate your efforts to the creation of a centralized location
(web, telephone or mail) from which someone could order a free credit
report from each of the three credit bureaus once a year. As a private
citizen, not representing any organization, just myself, I like the fact
that I may have a chance to see exactly what all 3 reporting agencies
have to say about my credit record. You might even want to offer as a
point of cost recovery that the credit agencies can create a CBT of some
sort that could teach creditors how their credit score is calculated
and, potentially, another course on how to improve their credit score
over time. This could include things such as opening credit accounts and
paying them off monthly, only opening x number of accounts based on
income, etc. In this way, in addition to providing a federally regulated
service, they could also find a way to serve the public through eduction
and still recover some of the cost in training. Thank you for your
efforts.
Elizabeth Bailey
6017 Rock Cove
Flower Mound, Texas 75028
