(1) A consumer reporting agency shall make all disclosures pursuant to 31-3-122 , MCA, without charge to the consumer, if the consumer makes a request under 31-3-122 , MCA, within 30 days of receiving either:
(a) notification under 31-3-133 , MCA, that credit is being denied or provided at an increased cost; or
(b) notification that the consumer's credit rating may be or has been adversely affected. Otherwise, the consumer reporting agency shall charge the consumer no more that $8.50 for making disclosure to such consumer pursuant to 31-3-122 , MCA, the charge for which shall be indicated to the consumer prior to making disclosure. No charge may be made for notifying users of deletion of information found to be verified as required by 31-3-124 , MCA.