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OBTAINING YOUR FREE CREDIT REPORT

Consumers can contact each of the three major credit bureaus and request their credit reports without counting against them as an inquiry. Visit the official sites:
Equifax    Experian   Trans Union

Consumers can also request their free credit reports by visiting www.annualcreditreport.com, by calling toll-free 877-322-8228, or by filling out and mailing in the Annual Credit Report Request form available at: https://www.annualcreditreport.com/cra/requestformfinal.pdf.

Annual Credit Report

ESTABLISH LEGITIMATE POSITIVE CREDIT NOW!!!

https://www.PublicSavings.com/ConProdSCC2.php?NID=1665

Your new Public Savings Bank Secured credit card can help you establish a credit history that will benefit you now and in the future.

 

CONSUMER RIGHTS

Federal Trade Commission
Consumer Response Center
Room 130
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
www.ftc.gov/credit

FAIR CREDIT REPORTING ACT
http://www.ftc.gov/os/statutes/fcra.htm

FAIR DEBT COLLECTIONS & PRACTICES ACT
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

CONSUMER TIPS

  When phoning the toll free number 877-322-8228 for a free credit report, ask that only the last four digits of your SSN are displayed on the reports to be mailed to you to protect your identity.

  If you call for your credit report or have it mailed to you, have it mailed to a secure mailbox.

  Know that you are not required to give out your email address in order to obtain a federally mandated free credit report.

  If you do choose to go online to www.annualcreditreport.com to access your credit report, be absolutely certain that you have not mistyped the web address. If you see pop-up ads or if you notice that the site is not secure, close your browser and start over. (Secure sites will have a padlock logo in the corner, and the address will read https:// instead of just http://.)

  If you go online to www.annualcreditreport.com to access your TransUnion credit report, be sure to look for any pre-checked marketing or newsletter offers. If you decide you do not want these offers, uncheck the box.
 

 

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