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New Jersey credit laws

2 entries

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

Medical debt

Louisa Carman Medical Debt Relief Act (S2806)

In effect
Citation:
N.J. Stat. Ann. 56:11-57 et seq.
Effective:
Jul 22, 2024

New Jersey medical creditors and collectors may not report medical debt for health care services performed after the law took effect, paid medical debt, or any medical debt under $500. Medical debt reported in violation of these rules is void.

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

Election of placement of security freeze on consumer report (Identity Theft Prevention Act)

In effect
Citation:
N.J. Stat. Ann. 56:11-46

New Jersey 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

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

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