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Minnesota credit laws

3 entries

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

Medical debt

Medical debt reporting prohibited (Laws 2024, ch. 114)

In effect
Citation:
Minn. Stat. 332C.03
Effective:
Oct 1, 2024

In Minnesota, a party collecting medical debt may not report it to a consumer reporting agency, and a consumer reporting agency may not include an item it knows or should know concerns medical debt. The rule also covers licensed collection agencies and debt buyers.

What you can do

Pull your free reports and dispute any medical debt that your state says should not be reported.

Official sources

Source checked Sep 29, 2026

Security freezes and fraud alerts

Consumer security freeze

In effect
Citation:
Minn. Stat. 13C.016 to 13C.019

Minnesota 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

Source checked Sep 29, 2026

Credit repair company rules

Credit services organizations

In effect
Citation:
Minn. Stat. 332.52 et seq.

Minnesota 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.

What you can do

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

Official sources

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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