# 138 Fair and Accurate Credit Transactions Act of 2003:

Determination of Fair and Reasonable Fee to Be Charged by a Credit Reporting Agency for Consumer Credit Scores: Advance Notice of Proposed Rulemaking and Request for Comment

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Public Comments

1. Abbott, Fern (12/6/2004) # OL-100123
2. Abramowitz, David (11/8/2004) # OL-100058
3. Admill, R (12/22/2004) # OL-100164
4. Albert Einstein Medical Center (Raines, Nathan) (11/8/2004) # OL-100061
5. Allan, (12/22/2004) # OL-100161
6. AMCE Mkt. Co. (Public, John Q.) (12/23/2004) # OL-100186
7. America's Community Bankers (Bahin, Charlotte) (1/5/2005) # OL-100274
8. Archuleta, Andrew (11/5/2004) # OL-100017
9. Ashburn, James (11/8/2004) # OL-100060
10. attorney at law (Glackin, Charles) (12/20/2004) # OL-100143
11. Ayala, K. (11/23/2004) # OL-100110
12. Ayoub, William (11/9/2004) # OL-100074
13. Ball, Dennis (12/27/2004) # OL-100225
14. BANCE, J (11/4/2004) # OL-100007
15. Barnes, George (11/22/2004) # EREG-000001
16. Barrett, (11/9/2004) # OL-100070
17. Battle, Solomon O. (11/30/2004) # 000006
18. Beck , (12/28/2004) # OL-100228
19. Beck, (11/6/2004) # OL-100034
20. Beh, Wooiliam (11/5/2004) # OL-100025
21. Biemesderfer, David (11/5/2004) # OL-100014
22. Blagbrough, Norman (11/8/2004) # OL-100063
23. Boone, (11/7/2004) # OL-100049
24. Bourvic, Atika (12/31/2004) # OL-100246
25. Bourvic, Jean (12/31/2004) # OL-100245
26. Bourvic, Matthew (1/6/2005) # OL-100284
27. Boydston, Troy (12/24/2004) # OL-100216
28. Breitenstein, Daniel (11/5/2004) # OL-100009
29. Brooks, Ray (12/22/2004) # OL-100176
30. Brown, (11/5/2004) # OL-100013
31. Bulk, Lawrence H. (11/9/2004) # OL-100076
32. Burch, Colin (12/22/2004) # OL-100168
33. Burley-Allen, Madelyn (12/23/2004) # OL-100198
34. Burns, Brendan (12/28/2004) # OL-100234
35. Butler, Gregory (12/23/2004) # OL-100191
36. Byers, Donna (11/9/2004) # OL-100072
37. Bytnar, Michael (12/17/2004) # OL-100140
38. California Association of Realtors (Hamilton, Jim) (1/7/2005) # 000010
39. California Public Interest Research Group (Gayer, Jennette) (1/5/2005) # OL-100273
40. Cannon, John E. (11/23/2004) # 000005
41. CANOVA, DEBRA (11/5/2004) # OL-100015
42. Carrington, Karen (12/29/2004) # OL-100235
43. Cave, Alberta (11/9/2004) # OL-100073
44. Cavolt, Paul (11/11/2004) # OL-100083
45. Chapplw, Jesse (11/3/2004) # OL-100001
46. Citizen / tax payer (Bergsten, ) (12/30/2004) # OL-100238
47. Clark, S (11/11/2004) # OL-100086
48. Clifton, D (12/31/2004) # OL-100247
49. Consumer Data Industry Association (Pratt, Stuart) (1/5/2005) # OL-100276
50. Consumer Federation of America (Scriber, Brad) (1/5/2005) # EREG-000003
51. Cottler, Daniel (11/7/2004) # OL-100043
52. CreditSuit.org (Baker, Christine) (1/5/2005) # OL-100281
53. Curb, Randi Ann (11/23/2004) # OL-100112
54. cust, kevin (11/21/2004) # OL-100101
55. Davie, Edward (11/8/2004) # OL-100062
56. Davila, Daniel (1/3/2005) # OL-100257
57. DCHI (Cover, Dan) (11/23/2004) # OL-100111
58. Dean, (11/17/2004) # OL-100098
59. DeBusk, Richard (1/1/2005) # OL-100251
60. Dienhart, (12/22/2004) # OL-100172
61. dixon, STELLA (12/23/2004) # OL-100204
62. Dodaro, James T (11/7/2004) # OL-100037
63. DODARO, THOMAS (11/7/2004) # OL-100039
64. Dodd, Wayne (12/22/2004) # OL-100179
65. Dodson, Janice (11/5/2004) # OL-100030
66. Donahue, Randy (12/22/2004) # OL-100150
67. Dougherty, Richard J. (1/7/2005) # 000008
68. Dunn, Charles (11/7/2004) # OL-100045
69. Durst, Thomas (11/5/2004) # OL-100027
70. Egemo, P. (11/5/2004) # OL-100020
71. Equifax Information Services, LLC (Mast, Kent) (1/5/2005) # OL-100272
72. Equifax Informations Services LLC (Mast, Kent E.) (1/7/2005) # 000011
73. Even, (11/8/2004) # OL-100064
74. Everyday Wealth (Nettey, Lisa) (12/22/2004) # OL-100155
75. EVERYDAY WEALTH (Johnson, Michael) (12/24/2004) # OL-100212
76. Everyday Wealth (Cailliet, Peggy) (12/28/2004) # OL-100226
77. Everyday Wealth (Goodbeer`, Clarence) (12/28/2004) # OL-100233
78. Everyday Wealth (Watson, Diane) (12/30/2004) # OL-100243
79. Experian Information Solutions, Inc. (Engel, Jason) (1/5/2005) # OL-100280
80. Fair Isaac Corporation (Hoge, Steven) (1/5/2005) # OL-100267
81. Farmer, Janet (12/22/2004) # OL-100166
82. Farrell, (11/7/2004) # OL-100038
83. Featherston, Dorothy (11/4/2004) # OL-100003
84. Felber, James (11/4/2004) # OL-100005
85. Ferguson, (11/16/2004) # OL-100096
86. Ferguson, Aaron (11/5/2004) # OL-100022
87. Fessler, Joan (11/30/2004) # 000007
88. Flanagan, Kathleen (11/22/2004) # OL-100108
89. Foley, Lisa (11/19/2004) # OL-100100
90. Frost, John (11/4/2004) # OL-100002
91. Fulton County Economic Development (Bryan, Marva) (12/31/2004) # OL-100244
92. Geiss, Susan (11/11/2004) # OL-100081
93. Geist Gehring, Linda (11/4/2004) # OL-100004
94. GENFED FEDERAL CREDIT UNION (TODD, RICHARD) (11/5/2004) # OL-100024
95. Gibson, Joyce (11/14/2004) # OL-100090
96. Gibson, Joyce (11/14/2004) # OL-100091
97. Gibson, Rhonda (12/23/2004) # OL-100211
98. Gilbertson, Dan (12/23/2004) # OL-100203
99. Gimenez, (12/5/2004) # OL-100122
100. God's Little Helpers Inc. (naomi, darden) (12/27/2004) # OL-100222
101. Goida, Angelina (11/9/2004) # OL-100069
102. Graham, William (12/26/2004) # OL-100220
103. Gray, William (12/25/2004) # OL-100218
104. Grimes, (12/6/2004) # OL-100124
105. Gross, K. Kennard (11/18/2004) # 000003
106. Hagan, Debra (12/30/2004) # OL-100240
107. hamadachi, kamel (12/23/2004) # OL-100209
108. Harding, Lisa (12/19/2004) # OL-100141
109. Harper, Rebecca (12/28/2004) # OL-100232
110. Harris, (1/3/2005) # OL-100258
111. Harris, Scott (11/9/2004) # OL-100071
112. Hauck, Ryan (11/7/2004) # OL-100052
113. Hawthorne, Miles (1/4/2005) # OL-100265
114. Helton, Richard (1/5/2005) # OL-100279
115. Hendy, Doug (11/19/2004) # OL-100099
116. Hester, (12/8/2004) # OL-100125
117. Hght, (11/23/2004) # OL-100109
118. Hiltbrunn, William (11/5/2004) # OL-100023
119. Hobbs, Martha (12/22/2004) # OL-100162
120. Holland, (12/15/2004) # OL-100137
121. holt, hampton (12/22/2004) # OL-100152
122. Hubbard, Misty (11/11/2004) # OL-100084
123. Hudson, Waddell (12/28/2004) # OL-100231
124. Humphres, Chris (11/12/2004) # OL-100087
125. Identity Theft Resource Center (Foley, Linda) (1/4/2005) # OL-100264
126. Independent Community Bankers of America (Bragan, Katherine) (1/5/2005) # OL-100270
127. INDIVIDUAL (COOK, GEORGE) (11/10/2004) # OL-100079
128. individual (Clark, Donna) (11/26/2004) # OL-100113
129. Individual (Skaggs, Robert) (1/6/2005) # OL-100283
130. Information Policy Institute (Turner, Michael ) (1/5/2005) # OL-100266
131. Institute for the Study of Civic Values (Shipman Jr, Robert) (12/22/2004) # OL-100163
132. INSTITUTE OF CONSUMER FINANCIAL EDUCATION (RICHARD, RFC, PAUL) (1/4/2005) # OL-100261
133. Isaac, Tracy (12/27/2004) # OL-100223
134. Ivery, Vincent (1/2/2005) # OL-100253
135. J T G Financial Services (Guyder, Corinne) (11/12/2004) # OL-100089
136. Jackson, Delores (1/4/2005) # OL-100259
137. Jackson, Delores (1/4/2005) # OL-100260
138. Jacquindo, Frank (11/7/2004) # OL-100040
139. Jensen, (11/6/2004) # OL-100033
140. JKH Enterprises (Hawkins, Kay) (12/29/2004) # OL-100237
141. Johns, (12/23/2004) # OL-100189
142. Jones, (11/5/2004) # OL-100016
143. Jones, Bobby (11/16/2004) # OL-100094
144. Jones, Charles (11/16/2004) # OL-100095
145. Jugan, Marjorie (1/3/2005) # OL-100255
146. Kalbach, Keith (12/22/2004) # OL-100167
147. Kalwei, (11/5/2004) # OL-100031
148. karkane, k (11/8/2004) # OL-100057
149. Kelly, Ted (11/21/2004) # OL-100106
150. Kennedy Contractors Inc (Yeomans, Sandra) (12/26/2004) # OL-100219
151. Kiefer, Robert (11/7/2004) # OL-100042
152. kistler, sharon (11/11/2004) # OL-100082
153. Konetchy, (12/23/2004) # OL-100193
154. Kussmaul, Lucinda (12/22/2004) # OL-100148
155. Kussmaul, Sara (12/22/2004) # OL-100147
156. Lamb, (11/7/2004) # OL-100046
157. Lane, Kenneth (11/26/2004) # OL-100114
158. LANE, R (11/14/2004) # OL-100092
159. Larson, Julie (12/22/2004) # OL-100156
160. Lee, David (11/8/2004) # OL-100066
161. LeRoy, Robert (12/22/2004) # OL-100175
162. letsbuildwealth.net (Vaughn, John) (12/23/2004) # OL-100188
163. Levy-Mackay, (11/5/2004) # OL-100012
164. Libove, Jay (12/21/2004) # OL-100145
165. Litman, Eric (11/7/2004) # OL-100053
166. lubnetwork (lubin, jean) (12/22/2004) # OL-100183
167. lucier, loriann (11/5/2004) # OL-100028
168. Manriquez, Magda (11/10/2004) # OL-100077
169. Maranell, Matthew (12/23/2004) # OL-100208
170. Marquis, Keith (11/11/2004) # OL-100085
171. Marstiller, Sue (12/22/2004) # OL-100177
172. Martin, Josh (1/5/2005) # OL-100269
173. Martinez, John (12/27/2004) # OL-100224
174. Maulwurf, Anthony (11/10/2004) # OL-100078
175. McCall, Steve (12/24/2004) # OL-100213
176. McDougle, Jeanine (1/1/2005) # OL-100252
177. McGinley, Edward F. (11/16/2004) # 000001
178. Mckean, (11/6/2004) # OL-100036
179. McKelroy, Claud (11/30/2004) # OL-100119
180. Medlock, Scott (11/5/2004) # OL-100021
181. Mendoza, Carlos (12/23/2004) # OL-100199
182. Miller, (11/7/2004) # OL-100044
183. Miller, Kenneth (11/21/2004) # OL-100104
184. Miller, Theresa (12/22/2004) # OL-100151
185. Milleson, Ronda (12/28/2004) # OL-100230
186. Mitchell, Terry (12/4/2004) # OL-100121
187. Mobley, (12/29/2004) # OL-100236
188. Moe, (1/1/2005) # OL-100249
189. morrison, scott (11/7/2004) # OL-100048
190. Murphy, (12/23/2004) # OL-100197
191. Muwele, Clement (12/22/2004) # OL-100153
192. N/A (Hurwitz, Harold) (12/23/2004) # OL-100205
193. na (carter, Dan) (12/23/2004) # OL-100194
194. National Association of Realtors(r) (Ventrone, Joseph) (1/5/2005) # OL-100268
195. Nelson, Monique (11/17/2004) # 000002
196. Newman, Faye (12/23/2004) # OL-100207
197. Nitka, Mary (11/9/2004) # OL-100075
198. None (Hennessy, Cindy) (11/5/2004) # OL-100010
199. none (Dean, William) (11/5/2004) # OL-100032
200. none (Pham, Sean) (11/9/2004) # OL-100067
201. None (Howell, John) (11/9/2004) # OL-100068
202. none (Walston, Brenda) (11/12/2004) # OL-100088
203. None (Thoni, Michael) (12/23/2004) # OL-100202
204. North American Title Company (Carr, Joseph ) (11/8/2004) # OL-100056
205. Payseur, Timothy (12/23/2004) # OL-100195
206. payseur, vicky (12/28/2004) # OL-100229
207. Pelley, John (12/22/2004) # OL-100154
208. Perkins, (1/5/2005) # OL-100278
209. Personal Submission (Evans, David) (11/4/2004) # OL-100008
210. peterson, c (12/22/2004) # OL-100146
211. Polakoff Connolly, Jill (11/7/2004) # OL-100047
212. POSITIVE RETURN (WILSON, IVY) (11/30/2004) # OL-100118
213. Pottiger, (11/8/2004) # OL-100065
214. Privacy Rights Clearinghouse & 7 other organizations (Givens, Beth) (1/5/2005) # OL-100275
215. Private individual (CAPPER, Roger) (12/23/2004) # OL-100190
216. private person (wulk, william) (12/25/2004) # OL-100217
217. Pulsifer, Ed (12/23/2004) # OL-100192
218. Raney, Ronald (11/5/2004) # OL-100029
219. Reed, (12/22/2004) # OL-100178
220. Reich, Virgil (12/22/2004) # OL-100160
221. retired (Basso, James) (11/27/2004) # OL-100115
222. Richter, David (11/5/2004) # OL-100018
223. Rivera, John (12/22/2004) # OL-100181
224. Romero, (12/20/2004) # OL-100144
225. Ron Gordon Communications (Gordon, Ronald) (12/22/2004) # OL-100180
226. Sampson, Robert (12/24/2004) # OL-100215
227. Sanders, (12/22/2004) # OL-100173
228. Saucier, Timothy (11/10/2004) # OL-100080
229. Schnappauf, Erich (12/16/2004) # OL-100138
230. Schnappauf, Robin (12/16/2004) # OL-100139
231. SCRI (Alexander, Norvelle) (12/22/2004) # OL-100182
232. Self (Noble, Adrian) (11/29/2004) # OL-100116
233. self-employed (mcconnell, william) (12/22/2004) # OL-100165
234. Sheaffer, (11/8/2004) # OL-100059
235. Shockley, Elizabeth (11/7/2004) # OL-100051
236. Shuler, Jacqueline (12/22/2004) # OL-100169
237. Simpkins, Paula (11/21/2004) # OL-100107
238. simpson auto broker Inc (simpson, patrick) (12/12/2004) # OL-100135
239. Slovick, Beverly (12/22/2004) # OL-100158
240. smith, philip (11/8/2004) # OL-100055
241. SOLE TAX PAYER (SKAGGS, STAN) (1/6/2005) # OL-100282
242. Specialty Financial Practice (Hulett, Jon) (12/23/2004) # OL-100196
243. Springboard Nonprofit Consumer Credit Management (Wilkman, Dianne) (1/3/2005) # OL-100256
244. Stapleton, Jeff (12/22/2004) # OL-100171
245. Starch, Patricia (12/30/2004) # OL-100241
246. Steinbruck, Elisabeth (11/21/2004) # OL-100102
247. Stephens, Mark (12/22/2004) # OL-100159
248. STERN, AYN (11/8/2004) # OL-100054
249. Stier, Laurie (11/21/2004) # OL-100103
250. summerfield, jamey (12/22/2004) # OL-100170
251. Swarts, (12/30/2004) # OL-100242
252. SYRETT, (11/5/2004) # OL-100011
253. The Link (Jordan, Alphonso) (12/23/2004) # OL-100201
254. Thom, (12/1/2004) # OL-100120
255. Thomas, Jocelyn (1/2/2005) # OL-100254
256. Thomas, William (11/4/2004) # OL-100006
257. TransUnion LLC (Blenke, John) (1/4/2005) # OL-100262
258. TransUnion LLC (Blenke, John W.) (1/7/2005) # 000009
259. Treloar, (11/7/2004) # OL-100041
260. Trost, Lyndi (12/24/2004) # OL-100214
261. Turner, Steve (12/22/2004) # OL-100174
262. Updike, Bill (12/14/2004) # OL-100136
263. Verdier, Gene R. (11/18/2004) # 000004
264. Vermeersch, (12/19/2004) # OL-100142
265. Walton, Thomas (12/23/2004) # OL-100184
266. Ware, J (1/1/2005) # OL-100250
267. Warner, Jay (12/28/2004) # OL-100227
268. Warns, John (1/1/2005) # OL-100248
269. Watson, Douglas (11/15/2004) # OL-100093
270. Webb, Robin (12/22/2004) # OL-100149
271. Weis, (11/7/2004) # OL-100050
272. Whitted, (12/27/2004) # OL-100221
273. wilder, (12/23/2004) # OL-100206
274. Wiley, (12/23/2004) # OL-100187
275. Wilkerson, Jo Ann (11/5/2004) # OL-100026
276. Williams, Shakeia (1/5/2005) # OL-100271
277. Woods, Billy (12/23/2004) # OL-100185
278. Woodward, Richard (11/5/2004) # OL-100019
279. Zagami, Frank (12/22/2004) # OL-100157
280. Zlotnicki, Lucjan (11/6/2004) # OL-100035