Vermont credit laws

3 entries

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

Medical debt

S.27 (Act 21 of 2025): reporting of medical debt information prohibited

In effect

Citation:: Vt. Stat. Ann. tit. 9, 2466d
Effective:: Jul 1, 2025

A Vermont credit reporting agency may not report or keep information about a medical debt in a consumer's file. Medical debt includes debts for health care services and goods such as dental care, devices and prescription drugs.

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

Security freeze by credit reporting agency

In effect

Citation:: Vt. Stat. Ann. tit. 9, 2480h

Vermont 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

Vermont Legislature: 9 V.S.A. 2480h

Source checked Sep 29, 2026

Coerced debt

H.385, Act 106 of 2026: remedies and protections for victims of coerced debt

Enacted

Citation:: Vt. Stat. Ann. tit. 9, 2495a to 2495d; 2480d (amended)
Effective:: Jul 1, 2028

Vermont will bar creditors and collectors from pursuing coerced debt once a victim provides supporting documentation, require creditors to investigate, and give victims civil remedies. It also adds duties for credit reporting agencies handling coerced debt disputes. The main coerced debt sections take effect July 1, 2028.

What you can do

Until 2028, use the federal identity theft process at IdentityTheft.gov if the debt was opened without your consent.

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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