(a) Except as provided by (b), (c), or (d) of this section, a consumer credit reporting agency may not charge a consumer to place or remove a security freeze, to provide access under Alaska Stat. § 45.48.130, or to take any other action, including the issuance of a personal identification number, password, or similar device under Alaska Stat. § 45.48.120, that is related to the placement of, removal of, or allowing access to a credit report or credit score on which a security freeze has been placed.
Terms Used In Alaska Statutes 45.48.160
action: includes any matter or proceeding in a court, civil or criminal. See Alaska Statutes 01.10.060
Complaint: A written statement by the plaintiff stating the wrongs allegedly committed by the defendant.
Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Source: OCC
Credit Score: A number, roughly between 300 and 800, that measures an individual's credit worthiness. The most well-known type of credit score is the FICO score. This score represents the answer from a mathematical formula that assigns numerical values to various pieces of information in your credit report. Source: OCC
(b) A consumer credit reporting agency may charge a consumer $5 for placing a security freeze.(c) A consumer credit reporting agency may charge the consumer $2 for each access request made by the consumer. In this subsection, “access request” means a request made by the consumer under Alaska Stat. § 45.48.130 to allow third-party access to the consumer’s credit report or credit score on which a security freeze has been placed.(d) If a consumer fails to retain a personal identification number, password, or similar device issued under Alaska Stat. § 45.48.120, a consumer credit reporting agency may charge the consumer up to $5 for each time after the first time that the consumer credit reporting agency issues the consumer another personal identification number, password, or similar device because the consumer failed to retain the personal identification number, password, or similar device.(e) A consumer credit reporting agency may not charge a consumer a fee under (b) or (c) of this section if the consumer has been a victim of identity theft and provides the consumer credit reporting agency with a complaint filed by the consumer with a law enforcement agency.
