Are you planning to get your credit repaired but don’t know how? Are you wondering whether credit repair is legal in Georgia? Don’t worry we will answer your concerns and more. 

Georgia has legislation concerning credit repair, so by all means it is legal, but not entirely. These laws are specifically made for consumers located in the state and not the credit repair company. However, it is only legal if it’s performed by an attorney, a company that meets the state’s special demands, and a nonprofit organization. 

This can be quite difficult to understand so we’re here to give you a brief rundown. 

What Is Credit Repair?

Credit repair pertains to the process of fixing poor or bad credit standing by removing inaccurate and negative information written on your credit reports. It can be as simple as correcting mistaken information with your credit agency to complex issues like identity theft. 

Other situations requiring credit repairs include dealing with financial issues such as budgeting.

A credit repair company is dedicated to helping you accomplish this by communicating with credit bureaus or financial companies, like your bank or debt collector, to discuss the errors. 

However, no matter the circumstance, credit companies should never help you manage your money since that is a service offered by a different organization. 

Repairing your credit is a long and arduous process, but the end goal is to remove the negative information in your credit file so you can increase your credit rating. 

Credit Repair Laws in Georgia

Georgia has federal and state law that controls the credit repair industry. It’s called the Credit Repair Organization Act, or CROA.

The Credit Repair Organization Act is a federal law created to protect consumers from fraudulent credit repair companies. The law prevents credit repair companies from fooling customers by convincing them to hire a credit repair company. 

CROA prohibits the following act:

  • Encouraging clients to lie about their credit history
  • Creating a new identity for consumers by acquiring false credit history
  • Not being specific about the services they provide
  • Demanding payment from clients before providing their services. 

Beware of the acts stated above and make sure to choose a legal credit repair company that will give you your money’s worth. 

How To Know If A Credit Repair Company Is Legal

To ensure the safety of your personal and financial information, look for a company that abides by the credit repair organization act. Here are some warning signs that tell you when a credit repair company isn’t reliable. 

Be careful of companies who:

  • Demands payment before service;
  • Does not inform you of your legal rights or alternatives with no cost;
  • Suggests you immediately call the credit bureaus;
  • Encourages you to get new credit by using someone else’s social security number; or
  • Tells you to dispute every information on your credit report. 


Looking for a trusted credit repair company that complies with Georgia’s state law? Contact us now and we can tell you everything you need to know about how to best resolve your credit report problem. 

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