Arizona credit laws

Citation:

Ariz. Rev. Stat. 8-530.10; 44-1698.02

Effective:

Sep 12, 2026

Within 30 days after a child is found to be a dependent child and placed in the care of the Arizona Department of Child Safety, the department must place a security freeze on the child's credit record. The freeze stays until the child turns 16, when the child can keep it or have it removed, and the department must tell the parent or guardian about the freeze and how to remove it.

Source checked Sep 29, 2026

Citation:

Ariz. Rev. Stat. 44-1698

Arizona 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. Separate rules in A.R.S. 44-1698.02 cover freezes for protected persons such as young children.

Source checked Sep 29, 2026

Citation:

Ariz. Rev. Stat. 44-1701 et seq.

Arizona regulates businesses that charge to improve a consumer's credit record, history or rating. 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.

Source checked Sep 29, 2026