Your Credit Rights

PNB knows your credit is important to you. This section is provided for you to learn more about your credit, your rights as a consumer, as well as the Fair and Accurate Credit Transactions (FACT) Act.

Federal Trade Commission for Consumers - This site contains FACT Act education. Learn how you can obtain a free credit report annually, build a better credit report, better understand credit scoring, and more!

Federal Trade Commission for Business - This site contains FACT Act education, business credit education, and more.

AnnualCreditReport.com - AnnualCreditReport.com is the official site to help consumers obtain their free credit report. This site allows you to request a free credit report once every 12 months from each of the nationwide consumer reporting bureaus being Equifax, Experian, and TransUnion.

If you believe there is a discrepancy with your credit report, or you are a victim of identity theft, you should contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file. The contact information for each fraud division is located below: