NORTHWEST COMMUNITY CREDIT UNION           INTRODUCTION   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING •   REDUCE DEBT   REACH OUT Review Your Credit Report New in 2005, the federal Fair Credit Reporting Act requires all three bureaus to provide you a free credit report, at your request, every 12 months. Working together, the bureaus have established a single web site and phone number to meet this requirement. Contact www.annualcreditreport.com (877-322-8228).

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