Victory State Bank: Consumers Should Request Free Credit Reports
STATEN ISLAND, N.Y. – Lenders regularly refer to a customers’ financial histories when deciding upon loan worthiness and interest rates. This is why the accuracy of your credit report is essential. In addition, some content of a credit report can provide an indication of identity theft.
Victory State Bank advises consumers to review their credit reports, even when they are not seeking a loan.
Normally, the credit reporting agencies (CRAs) may charge you a fee for a copy of your credit report. However, an amendment to the Fair Credit Reporting Act requires each of the CRAs to provide you with a free copy of your credit report once every 12 months.
To obtain a free copy of your credit report:
- Visit AnnualCreditReport.com, or
- Request your free credit report by phone by calling 1-877-322-8228. Deaf and hearing impaired consumers can access the TTY service by calling 711 and referring the Relay Operator to 1-800-821-7232.
To request your free credit report by mail, please complete the Annual Credit Report Request Form (PDF document) and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
About Victory State Bank:
VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com .