(a) Except as provided by Alaska Stat. § 45.48.130, a consumer credit reporting agency may not remove a security freeze unless

lawyer at desk

Ask a business law question, get an answer ASAP!
Thousands of highly rated, verified business lawyers.
Click here to chat with a lawyer about your rights.

Terms Used In Alaska Statutes 45.48.140

  • 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
  • writing: includes printing. See Alaska Statutes 01.10.060
(1) the consumer requests that the consumer credit reporting agency remove the security freeze under (b) of this section; or
(2) the consumer made a material misrepresentation of fact to the consumer credit reporting agency when the consumer requested the security freeze under Alaska Stat. § 45.48.110; if a consumer credit reporting agency intends to remove a security freeze on a consumer’s credit report under this paragraph, the consumer credit reporting agency shall notify the consumer in writing before removing the security freeze.
(b) A consumer credit reporting agency shall remove a security freeze within three business days after receiving a request for removal from the consumer who requested the security freeze.
(c) To make a request under (b) of this section, the consumer shall contact the consumer credit reporting agency by mail or as allowed by (d) of this section, authorize the consumer credit reporting agency to remove the security freeze, and provide the consumer credit reporting agency with

(1) proper identification to verify the consumer’s identity; and
(2) the unique personal identification number, password, or similar device provided under Alaska Stat. § 45.48.120(b).
(d) In addition to mail, a consumer may make a request under (b) of this section by telephone or by facsimile, the Internet, or other electronic media if the consumer credit reporting agency has developed procedures for using the telephone or an electronic medium to receive and process the request in an expedited manner.
  Previous section
Next section  
 Article 2 Contents