Consumer credit law reference
Washington Credit Dispute Laws
Washington prohibits advance fees for credit-repair services and provides treble damages under the state Consumer Protection Act.
Primary state statute
Washington Credit Services Organizations Act
RCW § 19.134
Regulator: Washington State Attorney General — Consumer Protection Division
What Washington adds on top of the federal FCRA
- •No advance fees
- •Treble damages via CPA
- •5-day cancellation right
- •AG enforcement
Dispute inaccurate items on your Washington credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Washington 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 Washington.