Having a clean credit report is very important. Negative information in your credit report will lower your credit score, which can be reviewed by lenders, insurers, landlords and even potential employers.

With a low credit score you'll be more likely to be offered lower credit limits, pay higher rates on credit and be denied future credit.

The Fair and Accurate Credit Transactions Act signed into law on December 1, 2003 gives all Americans the right to receive their credit report annually for free.

At Lisle Savings Bank, we feel it's important for you to be aware of what's on your credit report. You may request your FREE annual credit report in any of the following ways:

1. On the Internet at: www.annualcreditreport.com
    
2. By calling toll-free at: 1-877-322-8228
    
3. By mailing your request to:
        Annual Credit Report Request Service
        PO Box 105281
        Atlanta, GA 30348-5281