FTC Seeks Comments on Extending Free Credit Report Form
Published Date: 2/13/2025
Notice
Summary
The FTC is asking for public feedback on extending a rule that helps people get one free credit report each year from big credit agencies. This rule, shared with the Consumer Financial Protection Bureau, makes it easy to request your free report online, by phone, or mail. Comments are due by April 14, 2025, and the current approval expires April 30, 2025.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
One free annual credit report for consumers
You are entitled to one free file disclosure (a free credit report) from each nationwide consumer reporting agency within any 12-month period. The Rule requires a centralized internet website, a toll-free telephone number, and a postal address so you can request that free report.
Standardized request form available
Nationwide consumer reporting agencies must establish a standardized form for internet and mail requests for annual file disclosures, and the rule provides a model standardized form that may be used. This makes it easier to submit your request using the same format.
Specialty credit agencies must provide phone access
Nationwide specialty consumer reporting agencies must set up a streamlined process for consumers to request annual file disclosures that includes a toll-free telephone number. This gives consumers whose data is with specialty agencies a phone option to request their free disclosure.
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