Vermont Fair Credit Reporting Act (including security freeze and medical debt provisions)

Vermont's credit reporting law goes beyond the federal FCRA by requiring a consumer's consent (or a court order) before anyone pulls their credit report. It gives consumers free disclosures, dispute rights and free security freezes, including freezes for protected consumers such as minors. Since July 1, 2025, credit reporting agencies may not report or keep medical debt in a consumer's file.