Credit Freeze: The Definitive How to Guide (50 state interactive map)

If you’re worried about identity theft and want to stop anyone trying to gain access to your credit report without your permission, you may want to place a credit freeze on your credit report.

What is a Credit Freeze?

A credit freeze, also known as a security freeze, is designed to restrict access to a person’s credit profile and is one of the most effective tools against identity theft available. The freeze will prevent any new creditor from running your credit to open new credit accounts. This can prohibit an identity thief who gets ahold of one’s information from opening any new accounts in their name because creditors will not be able to access the credit report and extend credit.

 

Click on your state to see more information on Credit Freeze fees

What will a new creditor see if they run my credit and it’s frozen?

They will see a message indicating that the file is frozen. No information will be released.

Who can see my credit report if it’s frozen?

There are a few entities that will still have access to your credit report.

  • Pre-existing creditors or debt collectors acting on their behalf
  • Government agencies can gain access due to a court order, subpoena, or search warrant.

How to place a freeze on a credit report?

Adding, lifting, or removing of a freeze can be done online, by phone, or by mail among the major credit rating agencies. You will need to contact all 3 bureaus individually, submit your personal information, and pay the fee based on what state you live in (each state has own fees and regulations).

Here’s how you can contact each bureau:

  • Equifax – 800-349-9960
    Equifax Security Freeze
 P.O. Box 105788
 Atlanta, GA 30348
  • Experian – 888-397-3742
    Experian Security Freeze
 P.O. Box 9554 
Allen, TX 75013
  • TransUnion – 888-909-8872
    Transunion Fraud Victim Assistance 
P.O. Box 6790
 Fullerton, CA 92834

For each bureau, you must:

  • Provide your full name, Social Security number, date of birth, and address (must include all addresses you have lived at for the past 5 years).
  • Provide proof of residence (phone bill, utility bill, etc.).
  • Include a copy of a government issued ID card (Driver’s license, Passport, Military ID, etc.).
  • If an identity theft victim, include a copy of your identity theft report or an equivalent complaint to a law enforcement agency.
  • If not a victim, submit payment (each state has own fees and regulations).

How long does it take before the credit freeze goes into effect?

Once you complete your request, each credit bureau can take up to (10) business days to send a confirmation letter including a PIN. Keep this PIN in a safe place because you will need it if you want to lift or remove the freeze.

What’s a temporary lift?

A credit freeze will stay in place until you ask the credit bureaus to temporarily lift or remove it completely. If you know you’re applying for a loan, new job, a new place to rent, etc., you will need to request a temporary lift. You’ll specify a certain timeframe to lift the freeze and allow creditors to gain access to your credit report. Once requested, the bureaus have 3 business days to comply. The fee varies from state to state.

How long does it take to temporary lift a credit freeze?

The credit bureaus must lift the freeze no later than 3 business days from receiving your request.

What a credit freeze doesn’t do

A credit freeze is most effective when someone is trying to pull your credit report. They can help deter an identity thief from opening new accounts, but they can’t stop the threat of other types of identity theft. Here are few examples to consider:

    • Creditors who open accounts without running a credit check
    • Opening new bank accounts or health insurance accounts
    • When an identity thief uses a victim’s current bank accounts or credit cards
    • Medical identity theft
    • Criminal identity theft

Will a credit freeze lower my credit score?

A credit freeze will not affect your credit score.

Key information related to a Credit Freeze

A “protected consumer” is an individual who is under the age of 16 years at the time a request for the placement of a security freeze is made or an incapacitated person for whom a guardian has been appointed by a court of law.

All identity theft victims should submit a copy of a valid police report as proof of unlawful use of their personal information by another unauthorized person. The report should be completed no later than 90 days before you request a security freeze. This applies to all the CRA’s (credit bureaus).

There are no fees for victims of identity theft, provided they have shown proof of their claim by submitting a valid identity theft report, investigative report, incident report, or complaint with a law enforcement agency about the illegal use of your personal information by another person.

**Experian allows an incident report from the Department of Motor Vehicle (DMV) as a substitute for a police report as proof of being a victim of identity theft.

**Experian doesn’t charge a fee for PIN replacement across all 50 states.

**TransUnion does not charge their consumers any fees for permanently removing a credit freeze or replacement of PIN in all 50 states.

Requesting a credit freeze for a minor

Children are becoming the fastest growing segment of the population when it comes to identity theft. Placing a credit freeze on their credit profile will help stop identity thieves from ruining their credit before adulthood.

Credit bureaus don’t knowingly maintain credit information on minors in their databases. Ideally, there shouldn’t be a file on record, that would mean your child was not victimized.

Some states are requiring that a credit report be created if none exists in order to add a credit freeze. For those states, each credit bureau will create the report and add the freeze at the parent’s request once they receive the required documentation.

You will need to contact each bureau individually by physically mailing the documentation below to place a credit freeze.

  • A written request to place a “protected consumer freeze” on the named individual’s file
  • A lawfully executed and valid Power of Attorney, or a written, signed and notarized statement that describes your authority to act on behalf of the protected consumer/minor
  • Your full name, including middle initial and generation, such as JR, SR, II, III, etc.
  • Copy of your driver’s license or another government issued identification card
  • Proof of your address, such as a copy of a bank statement, utility bill, etc.
  • Copy of both the child’s birth certificate and Social Security card
  • The child’s full name, including middle initial and generation, such as JR, SR, II, III, etc.
  • Complete address
  • The required fee via check or money order (not all states have their fees posted so you may have to call to verify)

Here are the addresses to mail the documentation:

Experian (Include this form) Equifax TransUnion
Experian Equifax Security Freeze TransUnion Protected Consumer Freeze
PO Box 9554 P.O. Box 105788 P.O. Box 380
Allen, TX 75013 Atlanta, Georgia 30348 Woodlyn, PA 19094

 

State Details
Alabama

Alabama Credit Freeze Instructions

Alabama Equifax Credit Freeze Sample Letter

Non-victims $10 to add a security freeze, $10 for temporary lift, $10 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze but charged $10 for a temporary lift, $10 for permanent removal, and $5 for PIN replacement.

Experian

Alabama Experian Credit Freeze Sample Letter

Non-victims $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze but charged $10 for a temporary lift and $10 for permanent removal.

TransUnion

Alabama TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, however permanent removal is free.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze or permanent removal, but charged $10 for a temporary lift.

Alaska

Alaska Credit Freeze Instructions

Alaska Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $2 for a temporary lift, free for permanent removal, and free for first time replacement of PIN ($5 thereafter).

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Alaska Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $2 for a temporary lift, and free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Alaska TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $2 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Arizona

Arizona Credit Freeze Instructions

Arizona Equifax Credit Freeze Sample Letter

Charges non-victims $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers are charged $5 for adding a security freeze, not charged for a temporary lift, and $5 for permanent removal.

Experian

Arizona Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers are not charged for adding a security freeze, temporary lifting, or permanent removal.

Transunion

Arizona TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumer victims of identity theft are not charged for adding, temporary lifting, or permanent removal. Protected non-victims are charged $5 for adding a security freeze and not charged for temporary and permanent removal. Minors under the age of 16 are not charged for placing, temporary lifting, or removing a credit freeze.

Arkansas

Arkansas Credit Freeze Instructions

Arkansas Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security free, temporary lifting, permanent removal, or replacement PIN.

Experian

Arkansas Experian Credit Freeze Sample Letter

Charges non-victims $5 to add a security freeze, $5 for a temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Transunion

Arkansas TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze or permanent removal, but charged $5 for a temporary lift.

California

California Credit Freeze Instructions

California Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are charged $5 for adding a credit freeze, $5 for temporary lifting, $5 for permanent removal, and $5 for a replacement PIN.

Experian

California Experian Credit Freeze Sample Letter

Charges non-victims $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze but charged $5 for a temporary lift and $5 for permanent removal.

Transunion

California TransUnion Credit Freeze Sample Letter Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze or permanent removal, but charged $5 for a temporary lift.

Colorado

Colorado Credit Freeze Instructions

Colorado Equifax Credit Freeze Sample Letter

For non-victims, first time placing a credit freeze is free, then anytime after, there is a $10 fee. There is a $10 fee for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are charged $10 for adding security freeze, $10 for temporary lifts, and $10 for replacement of PIN.

Experian

Colorado Experian Credit Freeze Sample Letter

Non-victims are not charged for adding a security freeze but charged $10 for temporary lift and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Transunion

Colorado TransUnion Credit Freeze Sample Letter Non-victims are not charged for adding a security freeze or for permanent removal, but charged $10 for a temporary lift.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Connecticut

Connecticut Credit Freeze Instructions

Connecticut Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and free for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze, for temporary lifting, or permanent removal.

Further, if you are covered under the health insurance policy of someone who is an identity theft victim and you submit a copy of a valid investigative or identity theft report about the unlawful use of your spouse’s or family member’s identity, no fees will be charged to place, temporarily lift, or remove a security freeze.

Experian

Connecticut Experian Credit Freeze Sample Letter

Non-victims are charged $10.64 (including tax) to add a security freeze, $10.64 for a temporary lift, and $10.64 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older), minors under the age of 18, consumers with court-appointed guardians, conservator and consumers who are covered by the identity theft victim’s individual and a health insurance cover for basic hospital expenses are not charged for any of the services.

Transunion

Connecticut TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal. Victims must provide a valid police report.

Seniors (65 years or older) are not charged for adding a security freeze, permanent removal, or temporary lift.

Protected consumer-victims of identity theft and victims of domestic violence are not charged for any service. However, a protected consumer that isn’t a victim of identity theft is charged $10 for adding a security freeze but free for a temporary lift and permanent removal.

Delaware

Delaware Credit Freeze Instructions

Delaware Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but free for temporary lift, permanent removal and PIN replacement ($10 after 1st replacement).

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors 65 (years or older) are charged $5 for adding a security freeze, but free for temporary lifting, permanent removal, and PIN replacement.

Protected consumers are charged $5 for placing a security freeze and $5 for permanent removal. There is no fee for a temporary lift. Protected consumers under the age of 16 are not charged for any services.

Experian

Delaware Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, free for temporary lift and permanent removal. The state does not charge any fee for temporary and permanent removal of the security freeze.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older), protected non-victim consumers, and protected consumers who are over 16 years (whom the court or other authority has appointed a guardian or conservator), are charged $5 for placing a security freeze.

Transunion

Delaware TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but free for temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are charged $5 for adding a security freeze but not charged for temporary and permanent removal.

Protected consumers who are victims of identity theft and minors under the age of 16 are not charged for the services.

District of Columbia

District of Columbia Credit Freeze Instructions

District of Columbia Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, free for temporary lift and permanent removal, free for the first PIN replacement ($10 anytime after).

Victims of identity theft are not charged for adding a security freeze, temporary lift, or permanent removal (must provide a valid police report that was filed with the law enforcement agency).

Experian

District of Columbia Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, but free for temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

District of Columbia TransUnion Credit Freeze Sample Letter Non-victims are charged $10 to add a security freeze, but free for temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Florida

Florida Credit Freeze Instructions

Florida Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze, permanent removal, or PIN replacement, but charged $10 for a temporary lift.

Protected consumers and minors are charged $10 for placing a security freeze, permanent removal, or PIN replacement, but no fee for temporary lift.

Experian

Florida Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) and protected consumers who are under 16 years old are not charged for placing a security freeze or temporary lift, but $10 for permanent removal.

Transunion

Florida TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze or permanent removal, but charged $10 for temporary removal.

Protected consumers who are victims of identity theft and minors under the age of 16 are not charged for any services. Protected consumers that are not victims of identity theft, are charged $10 for adding a security freeze and free for all the other services.

Georgia

Georgia Credit Freeze Instructions

Georgia Equifax Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, $3 for permanent removal, but charged $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze, $3 for permanent removal, $3 for temporary lift, and $5 for PIN replacement.

Protected consumers are charged $10 for placing a security freeze, $10 for permanent removal, but no fee for temporary removal. Minors are not charged for any service.

Experian

Georgia Experian Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for temporary lift and $3 for permanent removal of the security freeze.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) and protected consumers who are under 16 years old are not charged for placing a security freeze, temporary lifting, or permanent removal.

Minors under the age of 16 years are charged $10 for creating a credit file.

Transunion

Georgia TransUnion Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze and permanent removal but charged $3 for temporary removal.

Protected consumers who are victims of identity theft and minors under the age of 16 are not charged for any service. Protected consumers that are not victims of identity theft are charged $10 for adding a security freeze and free for all the other services.

Hawaii

Hawaii Credit Freeze Instructions

Hawaii Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $ 5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Hawaii Experian Credit Freeze Sample Letter

Non-victims are charged $5.20 including tax to add a security freeze, $5.20 for a temporary lift, and $5.20 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) or protected consumers who are under 16 years old are not charged for placing a security freeze, temporary lifting, or permanent removal.

Transunion

Hawaii TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze and $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Idaho

Idaho Credit Freeze Instructions

Hawaii Equifax Credit Freeze Sample Letter

Non-victims are charged $6 to add a security freeze, $6 for a temporary lift, free for permanent removal, and charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Hawaii Experian Credit Freeze Sample Letter

Non-victims are charged $6 to add a security freeze, $6 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Hawaii TransUnion Credit Freeze Sample Letter

Non-victims are charged $6 to add a security freeze, $6 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Illinois

Illinois Credit Freeze Instructions

Illinois Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze and permanent removal, but charged $10 for a temporary lift.

Minors are charged $10 for adding a security freeze and permanent removal but not charged for a temporary lift. Disabled persons are charged $10 for adding, $10 for temporary lifting, $10 for permanent removal, and $10 for PIN replacement.

Active-Duty military are not charged for any service.

Experian

Illinois Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, for temporary lift, and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

For active members of military and seniors (65 years or older), there is no fee for all services.

Transunion

Illinois TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze and permanent removal but charged $10 for a temporary lift.

Protected consumers who are victims of identity theft and active duty military members are not charged for any services. Protected consumers not victim of identity theft, are charged $10 for adding a security freeze but free for all the other services.

Indiana

Indiana Credit Freeze Instructions

Indiana Equifax Credit Freeze Sample Letter

Non-victims and victims are not charged for any service. Protected consumers who are not victims of identity theft are charged $5 (no fee if under 16) for adding a security freeze and permanent removal.

Experian

Indiana Experian Credit Freeze Sample Letter

There is no fee for placing, temporarily lifting, or removing a credit freeze for anyone residing in the state of Indiana.

Transunion

Indiana TransUnion Credit Freeze Sample Letter

Non-victims and victims are not charged for any service. Protected consumers not victim of identity theft are charged $5 (no fee is under 16) for placing a security freeze but free for all other services.

Iowa

Iowa Credit Freeze Instructions

Iowa Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $12 for a temporary lift, $10 for permanent removal, and charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers who are not victims of identity theft are charged $5 (free if under 16) for adding a security freeze and $5 fir permanent removal. Protected consumers who are victims of identity theft will receive all services for free with submission of a valid police report.

Experian

Iowa Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $12 for temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to place or remove a freeze on a protected consumer under 16 if a credit file exists currently. If the minor or protected consumer must create a file, they will be charged $5.

Transunion

Iowa TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $12 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who are victims of identity theft are not charged for adding a security freeze or permanent removal. Protected consumers not a victim of identity theft, are charged $5 for placing a security freeze but free for all other services.

Kansas

Kansas Credit Freeze Instructions

Kansas Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, but free for permanent removal and PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Kansas Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Kentucky TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Kentucky

Kentucky Credit Freeze Instructions

Kansas Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Kentucky Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lifting, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to add or remove a freeze on a protected consumer under 16 if a police report is provided. If a credit file must be created for a protected consumer, there is a $10 fee.

Transunion

Kentucky TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

***The credit freeze will expire after 7 years for all 3 bureaus.

Louisiana

Louisiana Credit Freeze Instructions

Louisiana Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $8 for temporary lift, free for permanent removal, and charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (62 years or older) are not charged for any service. Protected consumers who are victims of identity theft are not charged for any services (with valid police report).

Protected consumers who are not victims of identity theft are charged $10 (free for minors under 16) for adding and $10 for permanently removing a freeze.

Experian

Louisiana Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $8 for temporary lift, but free for permanent removal.

Victims of identity theft and seniors (62 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There’s no fee to place or remove a freeze on protected consumers under 16 if a credit file already exists. If a credit file must be created, there is a $10 fee.

Transunion

Louisiana TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $8 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (62 years or older) are not charged for any services. Protected consumers who are victims of identity theft and minors under the age of 16 are not charged for adding a security freeze, permanent removal, and temporary removal of the freeze.

Protected consumers not victims of identity theft are charged $10 for placing a security freeze but free for all other services.

Maine

Maine Credit Freeze Instructions

Maine Equifax Credit Freeze Sample Letter

Victims and non-victims are not charged a fee for placing a credit freeze, temporarily lifting, permanently removing, or asking for a PIN replacement.

Experian

Maine Experian Credit Freeze Sample Letter

Victims and non-victims are not charged a fee for placing a credit freeze, temporarily lifting, or permanently removing. If a credit file must be created for a protected consumer, there is a $10 fee.

Transunion

Maine TransUnion Credit Freeze Sample Letter

Victims and non-victims are not charged a fee for placing a credit freeze, temporarily lifting, or permanently removing. If a credit file must be created for a non-victim protected consumer, there is a $10 fee to place the freeze but free for the removal.

Maryland

Maryland Credit Freeze Instructions

Maryland Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 to temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected non-victim consumers are charged $5 for adding a security freeze and $5 for permanent removal, but not charged for temporary lifting. Protected consumers that are victims of identity theft will not be charged any fees with a valid police report.

Experian

Maryland Experian Credit Freeze Sample Letter

Non-victims are charged $5 to place a security freeze, $5 for temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Maryland TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected non-victim consumers are charged $5 for adding a security freeze and $5 for permanent removal, but not charged for temporary lifting. Protected consumers that are victims of identity theft will not be charged any fees with a valid police report.

Massachusetts

Massachusetts Credit Freeze Instructions

Massachusetts Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft and their spouses are not charged for any of the services with a valid police report.

Experian

Massachusetts Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Massachusetts TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Michigan

Michigan Credit Freeze Instructions

Michigan Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft and minors (under the age of 16) are not charged for any of the services.

Protected consumers who are not victims of identity theft are charged $10 for adding a security freeze, $10 for permanent removal, but not charged for a temporary lift.

Experian

Michigan Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Michigan TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft and all minors under the age of 16 are not charged for adding a security freeze, temporary lifting, or permanent removal.

Protected consumers who are victims of identity theft are not charged for adding a security freeze or permanent removal. Protected consumers that are not victims of identity theft, are charged $10 for placing a security freeze but free for all other services.

Minnesota

Minnesota Credit Freeze Instructions

Minnesota Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and free for first PIN replacement ($5 every time after).

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Minnesota Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Minnesota TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Mississippi

Mississippi Credit Freeze Instructions

Mississippi Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are charged $10 for adding a security freeze, $10 for PIN replacement, but free for temporary lift and permanent removal.

Experian

Mississppi Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lifting, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Mississppi TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but not charged for a temporary lift or permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Missouri

Missouri Credit Freeze Instructions

Missouri Equifax Credit Freeze Sample Letter

Non-victims are charged $5 for adding a credit freeze for the first time and $10 for each subsequent time, $5 for a temporary lift, free for permanent removal, but charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Missouri Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, and no fee for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Missouri TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Montana

Montana Credit Freeze Instructions

Montana Equifax Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, $3 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Montana Experian Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, and no fee is required for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Montana TransUnion Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Nebraska

Nebraska Credit Freeze Instructions

Nebraska Equifax Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, free for permanent removal, but charged $5 for PIN replacement (first time is free).

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Nebraska Experian Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, and $3 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Minors under the age of 19 will not be charged for any service with a valid police report. Minor’s birth certificate and a copy of the minor’s social security card must be included. If you’re the minor’s guardian, a copy of the court document naming you as the guardian is required.

Transunion

Nebraska TransUnion Credit Freeze Sample Letter

Non-victims are charged $3 to add a security freeze, $3 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Minors under the age of 19 are not charged for adding a security freeze, temporary lifting, or permanent removal of the freeze.

***The credit freeze will expire after 7 years for all 3 bureaus.

Nevada

Nevada Credit Freeze Instructions

Nevada Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft (must provide a valid police report) or seniors (65 years or older) are not charged for any service.

Experian

Nevada Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft along with seniors (65 or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Nevada TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal. Victims of identity theft and seniors (65 and older) are not charged for adding a security freeze, temporary lifting, and permanent removal.

New Hampshire

New Hampshire Credit Freeze Instructions

New Hampshire Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

New Hampshire Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

New Hampshire TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

New Jersey

New Jersey Credit Freeze Instructions

New Jersey Equifax Credit Freeze Sample Letter

Non-victims are not charged to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for any services.

Experian

New Jersey Experian Credit Freeze Sample Letter

There is no fee for placing a security freeze according to state law. Non-victims are charged $5 for temporary lift and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

New Jersey TransUnion Credit Freeze Sample Letter

Non-victims are not charged to add a security freeze or for permanent removal, but charged $5 for a temporary lift.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

New Mexico

New Mexico Credit Freeze Instructions

New Mexico Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $10 for PIN replacement.

Victims of identity theft and seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Experian

New Mexico Experian Credit Freeze Sample Letter

Non-victims are charged $10.50 (including tax) to add a security freeze, $5.25 for temporary lift, and $5.25 for permanent removal. Victims of identity theft and seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

New Mexico TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but free for both temporary lift and permanent removal.

Victims of identity theft and seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

New York

New York Credit Freeze Instructions

New York Equifax Credit Freeze Sample Letter

Non-victims first placement of a credit freeze is free ($5 anytime after), $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers are charged $15 for adding a security freeze and $15 for permanent removal.

Experian

New York Experian Credit Freeze Sample Letter

There is no charge for non-victims to add a security freeze, but charges $5.44 (including tax) for temporary lifting and $5.44 (including tax) for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

If a file must be created for a minor or protected consumer, the fee placing and removing a security freeze is $10 each.

Transunion

New York TransUnion Credit Freeze Sample Letter

Non-victims are not charged to add a security freeze or to permanently remove, but charged $5 for temporary lift.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Victims of domestic violence and protected consumers who are victims of identity theft are not charged for any service. Protected consumers who aren’t victims of ID theft are charged $15 for adding a security freeze, but not charged for any other service.

North Carolina

North Carolina Credit Freeze Instructions

North Carolina Equifax Credit Freeze Sample Letter

Non-victims are charged $3 for mail and telephone credit freeze submissions, however, online submissions are free. Temporary lifts as well as permanent removals are free. First PIN replacement is free but anytime after, it will cost $3.

Victims of identity theft and their spouses, along with seniors (age 62 or older), are not charged for any service.

Experian

North Carolina Experian Credit Freeze Sample Letter

Does not charge any fee for placing a security freeze, temporary lifting and permanent removal. Seniors (62 years or older) and protected consumers who are under 16 are not charged for placing a security freeze, temporary lifting, or permanent removal. Protected consumers who are not victims of identity theft are charged $5 for placement or removal of a security freeze.

Transunion

North Carolina TransUnion Credit Freeze Sample Letter

Non-victims and victims of identity theft pay no fees for adding a credit freeze, a temporary lift, or permanent removal. For seniors (62 years or older) and protected consumers who are victims of identity theft are not charged for adding a security freeze, temporary lift, or permanent removal.

Protected consumers who aren’t victims of identity theft are charged $5 for adding a security freeze but not charged for any other service.

North Dakota

North Dakota Credit Freeze Instructions

North Dakota Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, free for permanent removal, and free for the first request of a PIN replacement ($5 every time after).

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

North Dakota Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, and no fee required for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

North Dakota TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Ohio

Ohio Credit Freeze Instructions

Ohio Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Ohio Experian Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Ohio TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Oklahoma

Oklahoma Credit Freeze Instructions

Oklahoma Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) that are non-victims are not charged for adding a security freeze or permanent removal, however, they are charged $10 for a temporary lift and $10 for PIN replacement.

Experian

Oklahoma Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft and seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Oklahoma TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) that are non-victims are not charged for adding a security freeze or permanent removal, however, they are charged $10 for a temporary lift.

Oregon

Oregon Credit Freeze Instructions

Oregon Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers (minors under the age of 16 will be charged no fees) are charged $10 for adding and $10 for permanently removing the security freeze.

Experian

Oregon Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who are under 16 years old are not charged for placing a security freeze, temporary lifting, or permanent removal. The fee for a protected consumer older than 16 years of age is $10.

Transunion

Oregon TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who aren’t victims of identity theft are charged $10 for adding a security freeze, but not charged for any other service.

Pennsylvania

Pennsylvania Credit Freeze Instructions

Pennsylvania Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, free for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) that are non-victims are not charged for adding a security freeze or PIN replacement, but charged $10 for a temporary lift.

Experian

Pennsylvania Experian Credit Freeze Sample Letter

Non-victims are charged $10.70 including tax to add a security freeze, $10.70 for a temporary lift, and no fee is required for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) will not be charged for any service.

Transunion

Pennsylvania TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, or permanent removal, but charged $10 for temporary lift.

**According to Pennsylvania law, credit freezes expire after 7 years.

Rhode Island

Rhode Island Credit Freeze Instructions

Rhode Island Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, and $10 for a temporary lift, $10 for permanent removal, but charged $5 for PIN replacement (first time request is free).

Victims of identity theft along with Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal – with valid police report.

Experian

Rhode Island Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for any service.

Transunion

Rhode Island TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft and seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

South Carolina

South Carolina Credit Freeze Instructions

South Carolina Equifax Credit Freeze Sample Letter

Victims, non-victims, seniors, and protected consumers/minors are not charged for adding a security, temporary lifting, permanent removal, or PIN replacement.

Experian

South Carolina Experian Credit Freeze Sample Letter

Victims, non-victims, seniors, and protected consumers/minors are not charged for adding a security, temporary lifting, permanent removal.

Transunion

South Carolina TransUnion Credit Freeze Sample Letter

Victims, non-victims, seniors, and protected consumers/minors are not charged for adding a security, temporary lifting, permanent removal.

South Dakota

South Dakota Credit Freeze Instructions

South Dakota Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers/minors that are non-victims are charged $5 for adding a security freeze, $5 for permanent removal, but free for a temporary lift.

Experian

South Dakota Experian Credit Freeze Sample Letter

Non-victims are charged $10.60 (including tax) to add a security freeze, $10.60 for a temporary lift, and $10.60 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to place or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists or if the consumer’s representative provides a police report or affidavit of alleged identity theft against the protected consumer. If a credit file must be created for the protected consumer under 16 years of age, the fee is $5. In addition, the fee is $5 for a protected consumer 16 years of age or older.

Transunion

South Dakota TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Non-victim protected consumers are not charged for adding a security freeze, temporary lifting or permanent removal. Protected consumers who aren’t victims of identity theft are charged $5 for adding a security freeze but not charged for any other service.

***The credit freeze will expire after 7 years for all 3 bureaus.

Tennessee

Tennessee Credit Freeze Instructions

Tennessee Equifax Credit Freeze Sample Letter

Non-victims are charged $7.50 to add a security freeze, free for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers/minors are not charged for any of the services offered.

Experian

Tennessee Experian Credit Freeze Sample Letter

Non-victims are charged $7.50 to add a security freeze, no fee for a temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to place or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Transunion

Tennessee TransUnion Credit Freeze Sample Letter

Non-victims are charged $7.50 to add a security freeze, free for a temporary lift, and free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who are victims of identity theft are not charged for any service provided. Protected consumers who are not victims of identity theft are charged $10 for adding a security freeze but not charged for any other service.

Texas

Texas Credit Freeze Instructions

Texas Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Protected consumers are not charged for any services offered.

Experian

Texas Experian Credit Freeze Sample Letter

Non-victims are charged $10.83 (including tax) to add a security freeze, $10.83 for a temporary lift and $10.83 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who are victims of identity theft are not charged any fees for any service with valid police report. If Experian must create a record for the protected consumer as none exists and the protected consumer is not a victim of identity theft, the $10.83 fee will apply.

Transunion

Texas TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers who are victims of identity theft are not charged for adding a security freeze, temporary removal, or permanent removal. Protected consumers who are not victims of identity theft are charged $10 for adding a security freeze but not charged for any other service.

Utah

Utah Credit Freeze Instructions

Utah Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, free for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Non-victim protected consumers are charged $5 for adding a security freeze and $5 for permanent removal. Minors under the age of 16 and protected consumers that are victims of identity theft are not charged for any service.

Experian

Utah Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to place or remove a freeze on a protected consumer under the age of 16. The fee for a protected consumer 16 years of age and older is $5. If a file must be created for a protected consumer, the fee is $5. There is no fee to place or remove a freeze if the protected consumer provides a copy of a valid identity theft report.

Transunion

Utah TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Protected consumers and minors under 16 years of age who are victims of identity theft are not charged for any service. Protected consumers that are non-victims of identity theft are charged $5 to place a credit freeze but all other services are free.

Vermont

Vermont Credit Freeze Instructions

Vermont Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Vermont Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $5 for a temporary lift, and $5 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Vermont TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but free for both a temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Virginia

Virginia Credit Freeze Instructions

Virginia Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, free for a temporary lift, free for permanent removal, and charged $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

There is no fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Experian

Virginia Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, no fee for both a temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There isn’t a fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Transunion

Virginia TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze but free for both a temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There is no fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Washington

Washington Credit Freeze Instructions

Washington Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Experian

Washington Experian Credit Freeze Sample Letter

Non-victims are charged $10.95 (including tax) to add a security freeze, $10.95 for temporary lift, and $10.95 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

Transunion

Washington TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Seniors (65 years or older) are not charged for adding a security freeze, temporary lifting, or permanent removal.

West Virginia

West Virginia Credit Freeze Instructions

West Virgina Equifax Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, $5 for permanent removal, and $5 for PIN replacement.

Victims of identity theft with a written complaint to FTC, Attorney General of the WV, or other law enforcement agency are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement.

Experian

West Virginia Experian Credit Freeze Sample Letter

Non-victims are charged $5.30 (including tax) to add a security freeze, $5.30 for a temporary lift, and $5.30 for permanent removal.

Victims of identity theft with a written complaint to FTC, Attorney General of the WV, or other law enforcement agency are not charged for adding a security freeze, temporary lifting, permanent removal.

Transunion

West Virginia TransUnion Credit Freeze Sample Letter

Non-victims are charged $5 to add a security freeze, $5 for a temporary lift, and free for permanent removal.

Victims of identity theft with a written complaint to FTC, Attorney General of the WV, or other law enforcement agency are not charged for adding a security freeze, temporary lifting, permanent removal.

Wisconsin

Wisconsin Credit Freeze Instructions

Wisconsin Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

There isn’t a fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Experian

Wisconsin Experian Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There isn’t a fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Transunion

Wisconsin TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, but free for both a temporary lift and permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

There isn’t a fee to add or remove a freeze on a protected consumer under 16 years of age if a credit file for the protected consumer currently exists. If a credit file must be created for the protected consumer under 16 years of age, the fee is $10. The fee is $10 for a protected consumer 16 years of age or older.

Wyoming

Wyoming Credit Freeze Instructions

Wyoming Equifax Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, $10 for permanent removal, and $10 for PIN replacement.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, permanent removal, or PIN replacement, but must provide a valid police report filed to any law enforcement agency.

Experian

Wyoming Experian Credit Freeze Sample Letter

Non-victims are charged $10 including tax to add a security freeze, $10 for a temporary lift, and $10 for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Transunion

Wyoming TransUnion Credit Freeze Sample Letter

Non-victims are charged $10 to add a security freeze, $10 for a temporary lift, but free for permanent removal.

Victims of identity theft are not charged for adding a security freeze, temporary lifting, or permanent removal when they submit an incident report, complaint with the law enforcement agency or the department of motor vehicles(DMV).

Summary
Credit Freeze: The Definitive How to Guide (50 state interactive map)
Article Name
Credit Freeze: The Definitive How to Guide (50 state interactive map)
Description
Freeze Your Credit in Minutes. 50 State Interactive Map, Click Your State for Sample Letters and Step-by-Step Instructions. Save Time & Money.
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noidentitytheft.com
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