Your Credit Rights

PSBT 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. - 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.

FDIC Introduction to Identity Theft and Electronic Scams, Additional Resources and Contact Information - Identity theft, spyware, malware, phishing, what do these terms mean? This resource by the FDIC provides an online self-educational multimedia tool on how to prevent identity theft and advice on steps to take if your identity has been stolen. - This resource contains practical tips from the Federal Government and technology industry to assist you in protecting your identity.

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:

PO Box 740250
Atlanta, GA 30374

PO Box 1017
Allen, TX 75013

PO Box 6790
Fullerton, CA 92634