Utah Code 13-45-502. Definitions
Current as of: 2024 | Check for updates
|
Other versions
As used in this part, “security freeze” means:
(1) if a consumer reporting agency does not have a file that pertains to a protected consumer, a restriction that:
Terms Used In Utah Code 13-45-502
- Consumer: means an individual who is not a protected consumer. See Utah Code 13-45-102
- Consumer reporting agency: means a person who, for fees, dues, or on a cooperative basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a credit report to another person. See Utah Code 13-45-102
- 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 report: means a consumer report, as defined in Utah Code 13-45-102
- File: is a s defined in Utah Code 13-45-102
- Protected consumer: means an individual who, at the time a request for a security freeze is made, is:(10)(a) less than 16 years of age;(10)(b) an incapacitated person; or(10)(c) a protected person. See Utah Code 13-45-102
- Record: means a compilation of information that:
(12)(a) identifies a protected consumer;(12)(b) is created by a consumer reporting agency solely for the purpose of complying with this section; and(12)(c) may not be created or used to consider the protected consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See Utah Code 13-45-102(1)(a) is placed on the protected consumer’s record in accordance with this part; and(1)(b) except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer’s record; or(2) if a consumer reporting agency has a file that pertains to the protected consumer, a restriction that:(2)(a) is placed on the protected consumer’s credit report in accordance with this part; and(2)(b) except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer’s credit report or any information derived from the protected consumer’s credit report. - Record: means a compilation of information that: