In Alaska Stat. § 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;
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Terms Used In Alaska Statutes 45.48.290

  • 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
  • Fraud: Intentional deception resulting in injury to another.
  • person: includes a corporation, company, partnership, firm, association, organization, business trust, or society, as well as a natural person. See Alaska Statutes 01.10.060
(2) “consumer” means an individual who is the subject of a credit report or credit score;
(3) “consumer credit reporting agency” has the meaning given in Alaska Stat. § 45.48.990, but does not include a person who issues reports

(A) on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; or
(B) regarding account closures because of fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing consumer requests for deposit accounts at the inquiring banks or financial institutions;
(4) “reseller of consumer information” means a person who assembles and merges information contained in the databases of consumer credit reporting agencies and does not maintain a permanent database of consumer information from which new consumer credit reports are produced;
(5) “security freeze” means a prohibition against a consumer credit reporting agency’s releasing a consumer’s credit report or credit score without the express authorization of the consumer;
(6) “third party” means a person who is not

(A) the consumer who is the subject of the consumer’s credit report or credit score; or
(B) the consumer credit reporting agency that is holding the consumer’s credit report or credit score.
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