California Civil Code

§ 1785.26

CIV § 1785.26 Effective Jan 1, 2025Div. 3 · Title 1.6 · Part 4 · Ch. 3.5

Statute text

(a)As used in this section:

(1)“Creditor” includes an agent or assignee of a creditor, including an agent engaged in administering or collecting the creditor’s accounts.

(2)“Negative credit information” means information concerning the credit history of a consumer that, because of the consumer’s past delinquencies, late or irregular payment history, insolvency, or any form of default, would reasonably be expected to affect adversely the consumer’s ability to obtain or maintain credit. “Negative credit information” does not include information or credit histories arising from a nonconsumer transaction or any other credit transaction outside the scope of this title, nor does it include inquiries about a consumer’s credit record.

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Legislative history

Amended by Stats. 2024, Ch. 80, Sec. 20. (SB 1525) Effective January 1, 2025.