Alaska Statutes Title 45, Chapter 45.48, Article 02 - Credit Report and Credit Score Security Freeze

• Sec. 45.48.100 Security Freeze Authorized.
  A consumer may prohibit a consumer credit reporting agency from releasing the consumer's credit report or credit score without the express authorization of the...
• Sec. 45.48.110 Placement of Security Freeze.
  (a) To place a security freeze, a consumer shall make the request to the consumer credit reporting agency(1) by mail to the address designated...
• Sec. 45.48.120 Confirmation of Security Freeze.
  (a) Within 10 business days after a consumer makes the request under AS 45.48.110 , a consumer credit reporting agency shall send a written...
• Sec. 45.48.130 Access and Actions During Security Freeze.
  (a) While a security freeze is in place, a consumer credit reporting agency shall allow a third party access to a consumer's credit report...
• Sec. 45.48.140 Removal of Security Freeze.
  (a) Except as provided by AS 45.48.130 , a consumer credit reporting agency may not remove a security freeze unless(1) the consumer requests that...
• Sec. 45.48.150 Prohibition.
  When dealing with a third party, a consumer credit reporting agency may not suggest, state, or imply that a consumer's security freeze reflects a...
• Sec. 45.48.160 Charges.
  (a) Except as provided by (b), (c), or (d) of this section, a consumer credit reporting agency may not charge a consumer to place...
• Sec. 45.48.170 Notice of Rights.
  When a consumer credit reporting agency is required to give a consumer a summary of rights under 15 U.S.C. 1681g (Fair Credit Reporting Act),...
• Sec. 45.48.180 Notification After Violation.
  If a consumer credit reporting agency violates a security freeze by releasing a consumer's credit report or credit score, the consumer credit reporting agency...
• Sec. 45.48.190 Resellers.
  A consumer credit reporting agency that acts as a reseller of consumer information shall honor a security freeze placed on a consumer's credit report...
• Sec. 45.48.200 Violations and Penalties.
  (a) A consumer who suffers damages as a result of a person's violation of AS 45.48.100 - 45.48.290 may bring an action in court...
• Sec. 45.48.210 Exemptions.
  (a) The provisions of AS 45.48.100 - 45.48.290 do not apply to the use of a credit report by(1) a person, the person's subsidiary,...
• Sec. 45.48.290 Definitions.
  In AS 45.48.100 - 45.48.290,(1) "account review" means activities related to account maintenance, account monitoring, credit line increases, and account upgrades and enhancements;(2) "consumer"...

Last modified: November 15, 2016