Both. Credit bureaus and creditors operating in Texas must follow federal law (the FCRA) AND Texas state law (the Texas Business and Commerce Code and DTPA). Companies cannot ignore Texas law by claiming they only follow federal rules. The Texas Attorney General can take action against companies that violate state consumer protection laws.
Do credit bureaus have to follow Texas law or only federal law?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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