Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Alaska

Alaska has the Alaska Personal Information Act  (AS 45.48).   This law provides for (1) a notice requirement when a breach of security concerning personal information has occurred; (2) the ability to place a security freeze on a consumer credit report; (3) various restrictions on the use of personal information and credit information; (4) the disposal of records containing personal information; (5) allowing a victim of identity theft to petition the court for a determination of factual innocence; and (6) truncation of credit card information.

Also, Alaska has AS 12.62.160 which provides that criminal justice information can be provided for any purpose, but such information cannot be released if it is non-conviction.   However, this law was enacted in 2014, and therefore we are of the opinion that the federal Fair Credit Reporting Act nullifies this law.

Contact SmithMarco, P.C., Today

If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.