Georgia credit laws

Citation:

O.C.G.A. 10-1-914 and 10-1-914.1

Georgia 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. Section 10-1-914.1 adds freezes for protected consumers.

Source checked Sep 29, 2026

Citation:

O.C.G.A. 16-9-59

In Georgia, owning or operating a for-profit credit repair services organization is a misdemeanor, with exemptions for groups such as banks, nonprofits, licensed attorneys and real estate brokers. 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