Credit Phoenix is an online credit repair company that works with clients in every state where we can serve them. Federal law (the Fair Credit Reporting Act and the Credit Repair Organizations Act) protects you everywhere; each state adds its own rules on contracts, cancellation and debt collection. The pages below spell them out, with the statute linked.
Choose your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
What changes by state, and what does not
Changes: how many days you have to cancel a credit repair contract, whether the state has its own debt collection law, how long a creditor has to sue, and which state office takes complaints.
Does not change: the bureaus' 30-day window to answer a challenge under the FCRA, the seven-year limit on most negative items, and the fact that nobody can promise you a result.
Questions people ask us
Do you work in my state?
Yes. Every state is linked above, and each page explains your rights there. We work with clients online, anywhere in the country.
Do I need to visit an office?
No. Everything happens online and by phone: the assessment, your client portal, the challenges and the responses.
Is credit repair legal?
Yes. The federal Credit Repair Organizations Act regulates credit repair companies everywhere, and most states add their own credit services law. Both exist to protect you: written contracts, a cancellation right, and no promises of results.
Start with a free consultation
Fifteen minutes, no pressure. We look at your reports together and tell you what we see.