YOUR CONSUMER "BILL OF RIGHTS"

The FACT Act provides a "bill of rights" for consumers' credit records.
*your right to ask for your credit score
*to know when information in your file is used against you
*to dispute incomplete or inaccurate information and to have it corrected
*to restrict access to your report (including employers who must have your permission)
*to seek damages in specific instances

Having good credit and using it wisely are more important than ever these days. Fortunately, it is also easier than ever to monitor your credit files and to correct errors that could have a negative impact on your credit rating. To obtain a free credit report log on to www.annualcreditreport.com.

Check with your local Citizens Community Bank to learn more about identity theft, good credit and maintaining good financial health.
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