Arkansas credit laws

2 entries

Federal law applies everywhere too. State laws add to it. See federal laws

Security freezes and fraud alerts

Arkansas Consumer Report Security Freeze Act

In effect

Citation:: Ark. Code Ann. 4-112-101 et seq.

Arkansas law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.

What you can do

Place a free freeze online or by phone at Equifax, Experian and TransUnion, and keep any PIN or login you create.

Official sources

Justia US Law (code text): Ark. Code tit. 4, ch. 112

Source checked Sep 29, 2026

Credit repair company rules

Credit Repair Services Organizations Act of 2017

In effect

Citation:: Ark. Code Ann. 4-91-201 et seq.

Arkansas regulates credit repair businesses under the Credit Repair Services Organizations Act of 2017, which replaced the repealed 1987 act. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.

What you can do

Dispute errors yourself for free with the credit bureau and the company that reported the item.

Official sources

Justia US Law (code text): Ark. Code tit. 4, ch. 91

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.

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