Updated 2026-09-02. Educational. Accurate, current, verifiable items stay.

Credit repair in Pennsylvania

This page is educational. It is not legal advice. Accurate, current, verifiable information cannot legally be removed from a credit report.

plant money habits is a private company founded by Yordan Marin in 2019. It is not a government agency. It is not Equifax, Experian, or TransUnion. It is not the CFPB or the FTC. For done-for-you credit repair in Pennsylvania, Get started. Independent reviews: Trustpilot.

1 big thing. STATE Pennsylvania adds the Credit Services Act, 73 P.S. § 2181 et seq.

Why it matters. FEDERAL CROA still applies:

no money before services are fully performed
no untrue claims
a separate signed 1679c statement
a written contract
a 3-business-day cancel

The bottom line. STATE Credit Services Act:

Advance fees are banned unless the company has a surety bond or trust account filed with the Department of State (5% of the prior 12 months’ fees, minimum $5,000, maximum $25,000).
The company must give a written information sheet and a written contract.
STATE cancel is 5 days.

Between the lines. Keep FEDERAL and STATE apart.

STATE — The attorney exception is for a person admitted to practice law in Pennsylvania, for work in the course of that practice.
STATE — A violation is also a violation of the Unfair Trade Practices and Consumer Protection Law.
STATE — This page does not say anyone is “licensed in all five states.”

Learn more. Statute: Pennsylvania Credit Services Act, Act 150 of 1992. Attorney General: Submit a complaint. CFPB: How do I dispute an error on my credit report?. FTC: Fixing Your Credit FAQs.

Learn more. Also read how long does credit repair take.

Federal rules that apply in every state

Every fact below is labeled FEDERAL or STATE.

FEDERAL — CROA. No money before the service is fully performed. No untrue claims. Separate signed Consumer Credit File Rights statement (15 U.S.C. § 1679c). Written contract. 3-business-day cancel (§ 1679e). Advance-fee rules: § 1679b.
FEDERAL — FCRA disputes. Dispute incomplete or inaccurate items with the bureau and the furnisher. How a credit dispute works. CFPB. FTC.
FEDERAL — free files, not scores. One free file per nationwide bureau every 12 months. Weekly files (not scores) at AnnualCreditReport.com.
FEDERAL — CFPB complaint is later. As of June 24, 2026, finish the bureau dispute first. Then submit a complaint.
FEDERAL — no nationwide medical-debt ban. CFPB rule vacated July 11, 2025. Bureau voluntary policy on paid / under-$500 / under-12-months medical collections is not a statute. Credit-card medical charges are not covered.

STATE — Pennsylvania Credit Services Act (73 P.S. § 2181 et seq.)

5-day cancel and a bond or trust if paid early

73 P.S. § 2181 · Act 150 of 1992 · sits next to federal CROA, not instead of it.

Two clocks. Keep them apart.

Cancel windows

Federal · CROA3 business days

State · Pennsylvania5 days · midnight of the fifth day

day 1day 2day 3day 4day 5

Detachable Notice of Cancellation is in the signed papers. A webpage is not the form.

Only if the company is paid early

Bond or trust

$5,000 min$25,000 max

5% of prior 12 months’ buyer fees
filed with the Department of State
adjusted once a year

Advance fees are banned unless a Pennsylvania-admitted surety bond or a qualifying Pennsylvania trust account is on file.

Keep federal and state apart. Attorney exception is Pennsylvania-admitted only.

STATE. The Credit Services Act, Act 150 of 1992 (73 P.S. §§ 2181–2192) covers fee-based credit-record, credit-extension, and advice work.

STATE — papers. Written information sheet before the contract or any money, whichever comes first. Written, dated, signed contract with the services and the total.
STATE — bond or trust if paid early. Advance fees are banned unless a Pennsylvania-admitted surety bond or a qualifying Pennsylvania trust account is filed with the Department of State. Amount: 5% of the prior 12 months’ buyer fees, minimum $5,000, maximum $25,000, adjusted once a year.
STATE — 5-day cancel. Cancel any time before midnight of the fifth day. Detachable Notice of Cancellation is in the signed papers. That sits next to the FEDERAL 3-business-day CROA cancel.
STATE — attorney exception. Only a person admitted to practice law in Pennsylvania, for work in the course of that practice. Not “any lawyer anywhere.”
STATE — UTPCPL. A Credit Services Act violation is also an Unfair Trade Practices and Consumer Protection Law violation.
STATE — Attorney General. Submit a complaint or call 1-800-441-2555.

This page does not say anyone is “licensed in all five states.”

Medical debt in Pennsylvania

No Pennsylvania medical-debt ban

Accurate, current, verifiable medical items stay on the file. A complaint is not a deletion promise.

Federal

CFPB rule vacated

The nationwide medical-debt credit-reporting rule was vacated July 11, 2025. Bureau voluntary policy is not a statute.

State

No Pennsylvania statute

Pennsylvania did not pass a medical-debt reporting ban. Do not treat a missing state rule as a deletion right.

Still true

Dispute errors

Incomplete or inaccurate items still go through the federal dispute process with the bureau and the furnisher.

File with the Attorney General · 1-800-441-2555

FEDERAL. No nationwide ban. CFPB rule vacated July 11, 2025.

STATE. This page does not invent a Pennsylvania medical-debt reporting ban. Incomplete or inaccurate items still use the federal dispute process.

Doing it yourself, or asking for help

You can do this yourself, for free. Read your consumer credit file rights before you sign anything.

If a company promises a score jump, or that it can remove accurate, current, verifiable information, that is a red flag.

Credit repair in Pennsylvania

Federal rules that apply in every state

STATE — Pennsylvania Credit Services Act (73 P.S. § 2181 et seq.)

Medical debt in Pennsylvania

Doing it yourself, or asking for help

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