Credit Repair Laws by State
Last updated: November 2026. This page is for educational purposes only and is not legal advice. Laws change; verify current statutes with official state sources.
Credit repair laws vary significantly from state to state. Some states have enacted comprehensive Credit Services Organization (CSO) statutes that require registration, surety bonds, and specific contract terms. Other states rely on the federal Credit Repair Organizations Act (CROA) to regulate credit repair services. This guide covers the key credit repair laws in all 50 states, including CSO registration requirements, statute of limitations on debt, medical debt credit reporting rules, and credit freeze rights.
Browse by State
Quick Comparison Table
| State | State CSO Act | Bond Amount | Written Contract SOL |
|---|---|---|---|
| California | Yes | $100,000 | 4 years |
| Florida | Yes | $10,000 | 5 years |
| Texas | Yes | $10,000 | 4 years |
Federal Protections That Apply in Every State
Regardless of where you live, these federal laws protect you:
- Credit Repair Organizations Act (CROA): Requires a written contract, gives you three days to cancel, and prohibits advance fees before services are performed.
- Fair Credit Reporting Act (FCRA): Gives you the right to dispute inaccurate items on your credit report and to one free credit report per year from each bureau at AnnualCreditReport.com.
- Fair Debt Collection Practices Act (FDCPA): Limits what debt collectors can say and do when trying to collect a debt.
- Free credit freeze: You can place and lift a credit freeze for free at all three credit bureaus under federal law.
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