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), a consumer credit reporting agency shall also give the consumer the following notice:



Consumers Have the Right to Obtain a Security Freeze


You may obtain a security freeze on your credit report and credit


score for $5 to protect your privacy and ensure that credit is not


granted in your name without your knowledge. You may not have to pay


the $5 charge if you are a victim of identity theft. You have a right


to place a security freeze on your credit report and credit score under


state law (AS 45.48.100
- 45.48.290).


The security freeze will prohibit a consumer credit reporting


agency from releasing your credit score and any information in your


credit report without your express authorization or approval.


The security freeze is designed to prevent credit, loans, and other


services from being approved in your name without your consent.


However, you should be aware that using a security freeze to take


control over who gets access to the personal and financial information


in your credit report and credit score may delay, interfere with, or


prohibit the timely approval of any subsequent request or application


you make regarding a new loan, credit, a mortgage, a governmental


service, a governmental payment, a cellular telephone, a utility, an


Internet credit card application, an extension of credit at point of


sale, and other items and services.


When you place a security freeze on your credit report and credit


score, within 10 business days, you will be provided a personal


identification number, password, or similar device to use if you choose


to remove the freeze on your credit report and credit score or to


temporarily authorize the release of your credit report and credit


score to a specific third party or specific third parties or for a


specific period of time after the freeze is in place. To provide that


authorization, you must contact the consumer credit reporting agency


and provide all of the following:


(1) proper identification to verify your identity;


(2) the personal identification number, password, or similar


device provided by the consumer credit reporting agency;


(3) proper information necessary to identify the third party or


third parties who are authorized to receive the credit report and


credit score or the specific period of time for which the credit


report and credit score are to be available to third parties.


A consumer credit reporting agency that receives your request to


temporarily lift a freeze on a credit report and credit score is


required to comply with the request within 15 minutes, except after


normal business hours and under certain other conditions, after


receiving your request if you make the request by telephone, or an


electronic method if the agency provides an electronic method, or


within three business days after receiving your request if you make


the request by mail. The consumer credit reporting agency may charge


you $2 to temporarily lift the freeze.


A security freeze does not apply to circumstances where you have an


existing account relationship and a copy of your credit report and


credit score are requested by your existing creditor or its agents or


affiliates for certain types of account review, collection, fraud


control, or similar activities.


If you are actively seeking credit, you should understand that the


procedures involved in lifting a security freeze may slow your own


applications for credit. You should plan ahead and lift a freeze,


either completely if you are shopping around, or specifically for a


certain creditor, days before applying for new credit.


You have a right to bring a civil action against someone who


violates your rights under these laws on security freezes. The action


can be brought against a consumer credit reporting agency.