Consumer credit law reference
Missouri Credit Dispute Laws
Missouri requires CSO registration and forbids collecting fees before services are performed, with a 5-day cancellation right for consumers.
Primary state statute
Missouri Credit Services Organizations Act
Mo. Rev. Stat. § 407.635 et seq.
Regulator: Missouri Attorney General — Consumer Protection
What Missouri adds on top of the federal FCRA
- •Registration required
- •No advance fees
- •5-day cancellation right
- •AG enforcement
Dispute inaccurate items on your Missouri credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Missouri residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Missouri.