Ohio credit laws

Citation:

Ohio Rev. Code 1349.52

Ohio 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.

Source checked Sep 29, 2026

Citation:

Ohio Rev. Code ch. 4712

Ohio 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