Colorado credit laws

Citation:

Colo. Rev. Stat. 5-18-109(1)(f)

Effective:

Aug 7, 2023

A Colorado consumer reporting agency may not include any adverse item it knows or should know concerns medical debt. The current statute text says this subsection is repealed effective July 1, 2028, unless lawmakers change it.

Source checked Sep 29, 2026

Citation:

Colo. Rev. Stat. 5-18-101 et seq.

Colorado 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. The same article includes freeze protections for protected consumers such as minors.

Source checked Sep 29, 2026

Citation:

Colo. Rev. Stat. 5-19-101 et seq.

Colorado regulates businesses that offer to improve a consumer's credit record, history or rating, and the Attorney General's Consumer Credit Unit handles registration and complaints. 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