Tag: credit freeze

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Consumer Watchdog, Identity Theft Protection

The Guide to Freezing and Thawing Your Credit Report

The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities.

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The recent Equifax data breach that exposed the names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers of about 44 percent of the current American population has many consumers now rushing to freeze their credit scores. However, many consumers may not grasp what that really entails.

In a recent survey by CompareCards.com, a subsidiary of MagnifyMoney’s parent company, LendingTree.com, 78 percent of respondents said they had never put a freeze on their credit reports.

When you freeze and thaw your report, you are preventing anyone else from opening a credit account under your name without your knowledge. It’s a smart way to defend yourself against some cases of identity theft. Massive data breaches like the one that hit Equifax are stark reminders of the importance of protecting sensitive information from potential fraudsters, but that doesn’t mean you should wait until your information is compromised in a data breach to act.

“We should all be vigilant,” says Eva Velasquez, president of the Identity Theft Resource Center. “Being vigilant about your identity is just a part of the world that we live in. If being involved in a data breach is the catalyst that brings that to the top of your mind, then we can see that as a positive.”

What a credit freeze does — and doesn’t — accomplish

A credit freeze, or security freeze, is a tool consumers can use to restrict access to their credit reports. The freeze makes it harder for criminals to commit financial fraud using your information.

The freeze seals your credit reports so that new requests won’t be processed without your approval. You will need to use a personal identification number — only you will know it — to lift or thaw the freeze before creditors can again have access to your credit report. A freeze adds a layer of security, since most creditors won’t extend new credit without seeing your report.

You will need to request a credit freeze with each of the big three reporting bureaus — Equifax, TransUnion and Experian — for the freeze to have the biggest impact.

Freezing your credit report will NOT:

  • Impact your credit score
    • A credit freeze will have no impact whatsoever on your credit score. Freezing your credit will neither raise nor lower your score.
  • Restrict existing creditors’ access to your report
    • Your current creditors, government agencies or debt collectors acting on behalf of those parties will still have access to your credit report if you freeze it.
  • Keep you from opening new credit
    • You will still be able to use your credit report to do things like open a new credit account, apply for a mortgage, rent an apartment or take any other action that calls for a credit check. But you’ll need to lift the temporary freeze before lenders can gain access to the report. If you know you’ll be doing any of those activities, you can temporarily lift the freeze for a certain party or a length of time, but it may cost you money to do so.
  • Prevent a criminal from committing fraud involving your existing accounts.
    • Freezing your credit report won’t prevent you, or any would-be thieves, from using your existing credit accounts. You will still need to vigilantly monitor all of your personal bank, credit and insurance accounts for fraudulent transactions or other signs of fraudulent activity.
  • Stop you from receiving prescreened credit offers
    • Freezing your credit report won’t stop lenders from sending you prescreened credit offers, as they prequalify new customers using a “soft pull.” A soft pull doesn’t show up on your credit report or harm your credit score. Banks buy the names of people who meet their credit criteria from credit bureaus to create their prequalification lists. So when you are prequalified, it just means you’re on a list somewhere. If you want to stop receiving such credit offers, call 888-5OPTOUT (888-567-8688) or ask to be excluded here.
  • Protect you from all forms of ID theft
    • A credit freeze can help to prevent financial fraud, but it will still leave you vulnerable to many other kinds of fraud. When criminals obtain important and sensitive information like your Social Security number as they did in the Equifax breach, they can use this data to commit criminal, medical, tax and employment theft, too. For example, a thief could use your Social Security number to file a tax return and claim a fraudulent refund, or use your personal information to obtain medical care or employment without your knowledge. Remain vigilant to protect yourself from other forms of fraud. Pay careful attention to any mail or phone calls from a medical office, government agency or other entity. They may be reaching out to verify your identity or report that someone else is attempting to commit fraud in your name.

How to freeze your credit report

You must go through a separate process with each of the three major credit bureaus to freeze your credit report.

Equifax

Equifax Complete Advantage Plan You can freeze your Equifax credit report online, by phone or by mail.

  • Online: In a statement issued in The Wall Street Journal on Sept. 27, Equifax said it would offer a new service that permanently allows consumers to lock and unlock their credit reports for free. The service is set to debut by Jan. 31, 2018.

    In the meantime, you can still freeze your Equifax score the traditional way, by visiting the Equifax security freeze site. You will first need to fill out a form with your personal information, then make any payment required by your state. Equifax’s site may be experiencing high traffic as a result of the recent breach, so it may not be able to process your request right away. If that is the case, try one of the other methods or try again online in a day or two.

  • Phone: Call 1-800-685-1111 (New York residents call 1-800-349-9960), and you should be connected with an Equifax representative who will verify your personal information and assist you with your credit freeze request.
  • Mail: Request your credit freeze by certified mail. If you’re a victim of identity theft, this is the channel you will need to use; your request must be submitted in writing with relevant documents, like a police report or other documented proof of theft, to have your fee waived. Write a letter to the reporting agency requesting the credit request and send it to the following address: Equifax Security Freeze/P.O. Box 105788/Atlanta, GA 30348

TransUnion

TrueIdentity You can freeze your credit TransUnion report online, by phone or mail, or by using TrueIdentity,

  • Online: Go to the TransUnion security freeze site. You will need to log in or create a TransUnion account before you can submit your request online.
  • Phone: Call 1-888-909-8872 and a TransUnion representative should verify your personal information and assist you with your credit freeze request.
  • Mail: Request your credit freeze by certified mail. Write a letter to the reporting agency requesting the credit request and send it to the following address: TransUnion LLC/P.O. Box 2000/Chester, PA 19016
  • TrueIdentity: TransUnion offers a free credit report monitoring service called TrueIdentity. The service allows users to lock and unlock their credit report with a swipe on their mobile device or a click online. It gives access to unlimited TransUnion Credit report refreshes, and alerts you if an entity pulls your TransUnion credit report.

Experian

Experian You can freeze your Equifax credit report online, by phone or by mail.

  • Online: Go to the Experian security freeze site. Select “add a security freeze,” then “apply online” and you’ll be redirected to a form requesting your personal information. Submit the form and make any payment required by your state to freeze your report.
  • Phone: 1-888-EXPERIAN (1-888-397-3742). Press 2 to be guided through prompts to request a security freeze.
  • Mail: Request your credit freeze by certified mail. Write a letter to Experian requesting the credit request and send it to the following address: Experian Security Freeze/P.O. Box 9554/Allen, TX 75013

How to thaw your credit report with each agency

Equifax

You can temporarily thaw your Equifax credit report via mail, online Equifax's security freeze site, or by calling 1-800-685-1111. (New York residents dial 1-800-349-9960.) Send mailed requests to the following address:
Equifax Security Freeze/P.O. Box 105788/Atlanta, GA 30348

TransUnion

You can temporarily thaw your TransUnion credit freeze by mail, online or via TransUnion’s credit freeze site, or by calling 1-888-909-8872. Send mailed requests to the following address: TransUnion LLC/P.O. Box 2000/Chester, PA 19016

Experian

You can temporarily thaw your Experian credit report by mail, online via Experian’s security freeze site, or by calling 1-888-397-3742. Send mailed requests to the following address:
Experian/P.O. Box 9554/Allen, TX. 75013

How much a credit freeze will cost you — by state

The protection isn’t free. Each time you freeze your report, temporarily lift a freeze or permanently end one, you may have to pay a fee. In the wake of the Equifax hack, consumer advocacy groups and some lawmakers have renewed their efforts to allow data breach victims to sign up for free credit freezes in their states.

“It is outrageous that the credit bureaus charge us fees to prevent identity theft when we didn’t even give them permission to collect our information in the first place,” Mike Litt, a consumer program advocate with the U.S. Public Interest Research Group, said in a statement a little over a week after the Equifax data breach was made public.

Sens. Elizabeth Warren (D-Mass.) and Brian Schatz (D-Hawaii) introduced the Freedom from Equifax Exploitation (FREE) Act on the same day. The act is intended to make actions related to freezing credit reports free for all consumers nationwide.

Until the proposed act wends its way through both houses of Congress, the amount you may pay to freeze, thaw or permanently end a credit freeze will vary from state to state and may be up to $10.

The majority of states have laws in place that cap the amount a credit reporting agency is permitted to charge consumers to freeze, lift, or thaw their credit reports. A U.S. PIRG analysis released shortly after the breach found only four states — Indiana, Maine, North Carolina, and South Carolina— have laws in place that provide free credit freezes, thaws, or lifts for their citizens. The analysis found an additional four states provide free freezes, but charge for thaws.

There is a silver lining for some. If you can present documentation showing you are a victim of identity theft at the time you place a freeze on your credit, most states will waive fees.

You can check what your state will charge you for each action below. Multiply the amount by three because you will need to pay each credit bureau.

In a Sept. 15, 2017, statement addressing the recent breach, Equifax said it would waive security freeze fees for all consumers through Nov. 21 and refund those who have paid to place or remove a credit freeze since 5 p.m. on Sept. 7, just after the breach was announced.

Nearly every state has legally identified definitions of a “protected consumer,” which may be a minor, an elderly citizen, a service member, a spouse of a victim of ID theft, a medically incapacitated person or some other distinction. Depending on the state, a protected consumer may pay a different amount or have his or her fee waived. The National Conference of State Legislators has more information on whom each state counts as a protected consumer, here.

State

Consumer Category

Freeze

Thaw

End Freeze

Alabama

Victim of ID theft

free

free

free

Senior (65+)

free

$10

$10

All other consumers

$10

$10

$10

Alaska

Victim of ID theft

free

free

free

All other consumers

$5

$2

$2

Arizona

Victim of ID theft

free

free

free

Protected Consumer

free

n/a

free

All other consumers

$5

$5

$5

Arkansas

Victim of ID theft

free

free

free

Senior (65+)

free

$5

free

All other consumers

$5

$5

$5

California

Protected Consumer

$10

n/a

$10

Minor <16

free

n/a

free

Senior (65+)

free

free

$5

All other consumers

$10

$10

$10

Colorado

Victim of ID theft

free

free

free

All other consumers

$10

$12

$12

Connecticut

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

All other consumers

$10

$10

$10

Delaware

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

Senior (65+)

$5

free

free

All other consumers

$10

free

free

District of Columbia

Victim of ID theft

free

free

free

All other consumers

$10

free

free

Florida

Victim of ID theft

free

free

free

Protected Consumer

free

n/a

free

Senior (65+)

free

n/a

free

All other consumers

$10

$10

$10

Georgia

Victim of ID theft

free

free

free

Minor < 16

free

n/a

free

Senior (65+)

free

$3

$3

All other consumers

$3

$3

$3

Hawaii

Victim of ID theft

free

free

free

All other consumers

$5

$5

$5

Idaho

Victim of ID theft

free

free

free

All other consumers

$6

$6

$6

Illinois

Victim of ID theft

free

free

free

Minor < 18

n/a

n/a

n/a

Senior (65+)

free

$10

free

Active-duty military

free

free

free

All other consumers

$10

$10

$10

Indiana

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

All other consumers

free

free

free

Iowa

Victim of ID theft

free

n/a

n/a

All other consumers

$10

$12

$12

Kansas

Victim of ID theft

free

free

free

All other consumers

$5

$5

$5

Kentucky**

Victim of ID theft

free

free

free

All other consumers

$10

$10

$10

Louisiana

Victim of ID theft

free

free

free

Protected Consumer

$10

n/a

n/a

Senior (62+)

free

free

free

All other consumers

$10

n/a

n/a

Maine

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

All other consumers

free

free

free

Maryland

Victim of ID theft

free

free

free

Minor < 16

n/a

n/a

n/a

All other consumers

$5

$5

$5

Massachusetts

Victim of ID theft

free

free

free

Protected Consumer

n/a

n/a

n/a

All other consumers

$5

$5

$5

Michigan

Victim of ID theft

free

free

free

Protected Consumer

free

n/a

free

All other consumers

$10

$10

$10

Minnesota

Victim of ID theft

free

free

free

All other consumers

$5

$5

$5

Mississippi

Victim of ID theft

n/a

n/a

n/a

All other consumers

$10

$10

$10

Missouri

Victim of ID theft

free

free

free

All other consumers

$5

$5

free

Montana

Victim of ID theft

free

free

free

All other consumers

$3

$3

free

Nebraska

Victim of ID theft

free

free

free

Minor < 16

free

free

free

All other consumers

$3

$3

$3

Nevada

Victim of ID theft

free

free

free

Senior (65+)

free

free

free

All other consumers

$10

$10

$10

New Hampshire

Victim of ID theft

free

free

free

All other consumers

$10

n/a

$10

New Jersey

Victim of ID theft

free

$5

$5

All other consumers

free

$5

$5

New Mexico

Victim of ID theft

free

free

free

Senior (65+)

free

free

free

All other consumers

$10

$5

$5

New York

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

All other consumers

free

n/a

$5

North Carolina

Victim of ID theft

free

free

free

Spouse of ID Theft Victim

free

free

free

Minor < 16 if file must be created

$5

n/a

$5

Senior (62+)

free

free

free

Other consumers

free

free

free

North Dakota

Victim of ID theft

free

free

free

All other consumers

$5

$5

n/a

Ohio

Victim of ID theft

free

free

free

All other consumers

$5

$5

$5

Oklahoma

Victim of ID theft

free

free

free

Senior (65+)

free

free

free

All other consumers

$10

$10

$10

Oregon

Victim of ID theft

free

free

free

Minor < 16

free

n/a

free

All other consumers

$10

$10

$10

Pennsylvania**

Victim of ID theft

free

free

free

Senior (65+)

free

$10

free

All other consumers

$10

$10

free

Rhode Island

Victim of ID theft

free

free

free

Senior (65+)

free

free

free

All other consumers

$10

$10

$10

South Carolina

Victim of ID theft

free

free

free

Protected Consumer

free

free

free

All other consumers

free

free

free

South Dakota**

Victim of ID theft

free

free

free

Minor < 16 if file must be created, or Protected Consumers

$5

n/a

n/a

All other consumers

$10

$10

$10

Tennessee

Victim of ID theft

free

free

free

Minor < 16

$10

n/a

$10

All other consumers

$7.50

free

$5

Texas

Victim of ID theft

free

free

free

Protected Consumer

free (fee applicable if record must be created)

n/a

free

All other consumers

$10

$10

$10

Utah

Victim of ID theft

free

free

free

All other consumers

$10

$10

$10

Vermont

Victim of ID theft

free

free

free

All other consumers

$10

$5

$5

Virginia

Victim of ID theft

free

free

free

Protected Consumer

free

n/a

free

All other consumers

$10

free

free

Washington

Victim of ID theft

free

free

free

Senior (65+)

free

free

free

All other consumers

$10

$10

$10

West Virginia

Victim of ID theft

free

free

free

All other consumers

$5

$5

$5

Wisconsin

Victim of ID theft

free

free

free

Non-victims

$10

$10

free

Wyoming

Victim of ID theft

free

free

free

All other consumers

$10

$10

$10

Sources: Consumersunion.org Transunion.com NCSL.org
**In Kentucky, Pennsylvania and South Dakota,  security freezes expire after seven years.

When a credit freeze makes sense — and when it doesn’t

You should freeze your credit report when you are in danger of financial or identity fraud.

Eva Velasquez, of the Identity Theft Resource Center, says consumers should consider freezing their reports if they are victims of identity theft or at an increased risk of having their information misused for identity theft because of lost or stolen items.

Consumers might also consider a credit freeze “if their personal information, specifically their Social Security number, is compromised in some way, like in that of a data breach,” says Velasquez.

Freezing your report is an important consumer protection you can and sometimes should take advantage of as a general consumer. However, there are several occasions when you may not want to freeze your credit.

  • You are planning to open a new line of credit (credit card, mortgage, etc.) in the near future.
  • You work for a company that requires a regular background check or access to your credit report.
  • You regularly open new accounts with financial institutions.

Ultimately, if you are not in danger of ID theft, the decision to freeze or unfreeze your credit report depends on whether or not you’re willing to go through the inconvenience and cost of unfreezing and refreezing each time an entity you approve of wants access to your credit report. If you want a more convenient way to monitor use of your credit report, you may want to consider placement of a credit fraud alert instead of the freeze, as explained below.

Pros and cons of freezing your credit report

Pros:

  • Locks your credit report
    The most obvious benefit you’d get from freezing all of your credit reports is an additional layer of protection. Only you can permit a lender or other entity to receive your full, detailed credit report. You’ll have the opportunity to verify a request’s legitimacy before anyone can obtain your report.
  • No impact on your credit score
    Neither freezing nor thawing your credit report will affect your credit score. Your credit score is impacted by positive or negative activity on your end. Adding protection is considered a neutral action.
  • Generally free for ID theft victims
    If you’re a victim of ID theft, you won’t be required to pay any fees to freeze, thaw or lift a freeze on your credit report in most states. However, you may need to provide additional documentation proving the theft and submit your request in writing.

Cons:

  • Need to plan before opening a credit line
    The added protection comes with the added inconvenience of freezing, or thawing your credit report when you need to apply for credit. This will take just a bit of forethought and may cost you up to $10 each time you thaw your report. You may take several minutes to complete thaw requests for all three bureaus online, which will make it a little more difficult to apply for a credit card in the checkout line. You can manually refreeze your accounts or set your request to automatically do so on a certain date.
  • Fees, unless you’re a victim of ID theft
    Each action — freezing or lifting a freeze — may cost you $3 to $10 in many states. The cost is often tripled, as it’s necessary to freeze or thaw all three of your credit reports if you are unsure which bureau the entity requesting your report will use. The cost may be high for some consumers. Freeze and thaw your reports wisely, and ask the requesting entity which bureau it uses to avoid paying unnecessary fees whenever you can.

An alternative to freezing your credit report

If you don’t think you are in immediate danger of ID theft, you can opt for less-drastic protection and set up a credit fraud alert with all three bureaus instead. When you have the alert set, all lenders attempting to pull your credit history will see a flag on the reports, alerting them to verify your identity before extending credit.

The entity is not required to go through additional verification, but the warning puts it at that entity’s discretion. You will still be able to apply for credit whenever you’d like, and won’t need to remember a PIN to unlock your credit report.

Additionally, fraud alerts are temporary. In most cases, you will be required to renew the alert in 90 days.

Brittney Laryea
Brittney Laryea |

Brittney Laryea is a writer at MagnifyMoney. You can email Brittney at brittney@magnifymoney.com

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Building Credit, Identity Theft Protection

How Much a Credit Freeze Costs You by State

The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities.

Credit score large

Are you going through an identity crisis? Not the kind we all experience in high school when we went back and forth from wearing preppy polos to wearing studded jackets. No, this type of identity crisis is more serious, and it has its roots in identity theft. When someone steals your identity, you’re vulnerable in a myriad of ways. Thieves may steal money using your debit card information, or take out a mortgage in your name. They have the potential to ruin your finances, and therefore your life.

If you do find yourself a victim, you may want to put a freeze on your credit report. That way, when thieves go to open a new account in your name, the lending institution will not be able pull your report. When they can’t pull the report, they will not be able to extend credit.

Here are some situations where placing a freeze on your credit report may make sense:

  • Someone stole your identity and applied for new credit.
  • Someone stole your credit or debit card information. You will know this is the case because their shopping trips will show up on your statements, or your financial institution may get in touch with you about suspicious activity. A credit freeze won’t stop them from spending more with your current information, but it will stop them from opening new accounts.
  • Someone is using your identity to rack up medical bills. This means they have your Social Security number, and a credit freeze will prevent them from taking out new credit with lending institutions. It will not, however, prevent them from continuing to commit medical identity theft.
  • You go to file your taxes, and are informed your return has already been filed. In this case, you are likely the victim of tax fraud, and the thief has your Social Security number. Much like medical identity theft, a credit freeze will not prevent thieves from committing tax fraud in the future, but it will keep them from opening additional lines of credit in your name.

[Credit Freeze: A Defense Against Identity Theft]

Having your identity stolen is inconvenient to say the least, especially if it’s happening when you are planning to make a large purchase. Because your credit report is frozen, you won’t be able to apply for new credit yourself. In these instances, you can temporarily remove the freeze.

When you’re satisfied that your identity is no longer at immediate risk, you can permanently remove the freeze.

That’s not to say that the process is free. Each action comes with a different fee for every state. You must pay these fees three times, or once per each credit bureau. Most states waive all fees if you are the victim of identity theft, but you must be able to prove it with sufficient documentation at the time that you place your credit freeze.

[Worth It Or Not? Identity Theft Reviewed]

Here are the fees and exceptions for placing a credit freeze on an adult’s credit report for all 50 states, plus Washington, D.C., and Puerto Rico:

Alabama, Kentucky, Michigan, Mississippi, New Hampshire, Oregon, Utah, Wisconsin, and Wyoming

The above nine states charge a $10 fee for each of the following actions: placing a freeze, temporarily removing it, and permanently removing it. The fee is waived in each instance if you were the victim of identity theft.

Note that fees are typically per credit bureau not per person, so you will be charged a fee from each of the credit bureaus: TransUnion, Equifax and Experian. 

Alaska

Alaska charges a $5 fee to place a freeze on your credit report. It charges a $2 fee to temporarily remove the freeze, but it charges nothing for the freeze’s permanent removal. All fees are waived if you were the victim of identity theft.

Arizona, Kansas, Maryland, Minnesota and Ohio

All five of the above states charge a $5 fee for placing a freeze, temporary removal, and permanent removal. The fees are waived if you were a victim of identity theft.

Arkansas

Arkansas charges $5 for placing a freeze on your credit report, temporarily removing it, and permanently removing it. All fees are waived if you are age 65 or older, or if you are the victim of identity theft.

California

California’s fee for placing a credit freeze is $10. This fee is waived if you are 65 years of age or older. There is a $10 fee for both temporary and permanent removal of the freeze, and both of these fees are reduced to $5 for those 65+ years old. All fees are waived for victims of identity theft.

Colorado, New Jersey, and New York

Colorado has no fee associated with placing a credit freeze, though victims of identity theft must still provide supporting documentation of their case. That is because when you go to have the freeze temporarily or permanently removed, you will be hit with a $10 fee in each instance if you are not a victim of identity theft.

New Jersey, and New York follow a nearly identical procedure, though the removal fees for those who are not victims of identity theft are $5 each in New Jersey, and $5 or $5.44 (depending on the bureau) in New York in contrast to Colorado’s $10.

Connecticut

The state of Connecticut charges $10.64 each for placing a credit freeze, temporarily removing it, and permanently removing it. All fees are waived for victims of identity theft.

Delaware

Delaware charges $10 for placing a freeze, or $5 if you are 65 years of age or older. The fee is waived if you are the victim of identity theft. There are no fees for anyone for temporary, or permanent removal of a credit freeze.

Florida

Florida charges $10 for each of the following actions: placing a credit freeze, temporarily removing it, and permanently removing it. All fees are waived for victims of identity theft, and residents age 65 or older.

Georgia

Georgia charges $3 each for placing a credit freeze, temporarily removing the freeze, and permanently removing it. All fees are waived for those 65 or older, and victims of identity theft.

Hawaii

Hawaii’s fees for placing a credit freeze, temporarily removing it, and permanently removing it are $5.20 per each action. This fee is waived for victims of identity theft only for temporary or permanent removals; everyone has to pay the initial $5.20 fee to place the freeze in the first place.

Idaho

Idaho charges $6 for placing a freeze, and another $6 fee for temporarily removing it. Victims of identity theft are exempt from both of these fees. No one has to pay anything to have a freeze permanently removed from their credit report in this state.

Illinois, Nevada, and Rhode Island

Illinois, Nevada, and Rhode Island charge $10 each for placing a freeze, temporarily removing it, and permanently removing it. Residents age 65 and older are exempt from the $10 fee when placing a freeze, but remain subject to all removal fees. Victims of identity theft are exempt from all fees.

Indiana, Maine & South Carolina

There are no fees of any kind associated with credit freezes for adult residents of the states of Indiana, Maine, and South Carolina.

Iowa

Iowa charges a $10 fee for placing a credit freeze, though victims of identity theft are exempt. Victims are also not charged the $12 temporary removal fee, though they are subject to the state’s $10 fee for permanent removal of their credit freeze.

Louisiana

Louisiana charges $10 for placing a freeze, though residents age 62 and older, and victims of identity theft are exempt from this specific charge. Victims of identity thefts are also exempt from the $8 fee for temporarily removing the freeze. There are no fees for any Louisiana residents for permanently removing a freeze from their credit report.

Massachusetts

Massachusetts’s fees are $5 each for placing a freeze, temporarily removing a freeze, and permanently removing it. Victims of identity theft and their spouses are exempt from all fees.

Missouri & North Dakota

Missouri, and North Dakota charge $5 in fees for both placing a credit freeze, and temporarily removing it. Victims of identity theft do not have to pay either of these fees. Missouri and North Dakota residents, regardless of their victim status, do not have to pay anything to have a freeze permanently removed.

Montana

The state of Montana has instituted a $3 fee for placing a credit freeze, and for having that freeze temporarily removed. Victims of identity theft are exempt from both fees. Montana residents do not have to pay any fees associated with permanent removal of a credit freeze.

Nebraska

Nebraska charges a $3 fee for each of the following actions: placing a freeze, temporarily removing a freeze, and permanently removing it. Victims of identity theft are exempt from all fees. In addition, Nebraska considers you a minor if you are under the age of 19. If you are under 19, and find yourself the victim of identity theft, your fees will be waived, but you will have to have a guardian file for you.

New Mexico

New Mexico charges $10.50 for placing a credit freeze. Residents age 65 and older, and victims of identity theft are exempt from this fee. Temporarily removing the freeze, and permanently removing it will incur a charge of $5.25. Victims are exempt from all removal fees, as well.

North Carolina

The only fee North Carolina charges is $5 for each of the following actions for a protected consumer in your care between the ages of 16-62: placing a freeze, temporarily removing it, and permanently removing it. In any other circumstance, North Carolina residents are not charged any fees.

Pennsylvania

Pennsylvania residents are charged $10.70 for placing a credit freeze unless they are victims of identity theft, or age 65 or older. There is another $10.70 fee for placing a temporary removal on your freeze. This fee is waived only for victims of identity theft. Pennsylvania residents, regardless of age, or victim status, are not charged any fees associated for the permanent removal of a credit freeze.

Puerto Rico

Puerto Rico charges $10.70 in fees for each of the following actions: placing a credit freeze, temporarily removing a freeze, and permanently removing it. All fees are waived if you are a victim of identity theft.

South Dakota

South Dakota’s fee of $10.60 applies to each of the following actions: placing a freeze, temporarily removing it, and permanently removing it. All fees are waived for victims of identity theft.

Tennessee

Tennessee charges $7.50 for placing a credit freeze. While there are no fees associated with temporary removals, there is a $5 fee for permanently removing the freeze from your credit report. Both fees are waived for victims of identity theft.

Texas

Texas charges $10.83 for placing a freeze on your credit report. This fee is the only one victims of identity theft are exempt from. There is also a $10.83 fee for both temporarily, and permanently removing the freeze. All Texas residents are subject to removal fees, regardless of victim status.

Vermont

Vermont charges $10 for placing a freeze, and $5 each for temporary, and permanent removal of the freeze on your credit report. Victims of identity theft are exempt from all fees.

Virginia & Washington, D.C.

The District of Columbia, and Virginia both charge a $10 fee for placing a credit freeze, though it is waived for victims of identity theft. There are no fees associated with temporary, or permanent removal of the freeze.

Washington (State)

The state of Washington charges $10.95 each for placing, temporarily removing, and permanently removing a freeze on your credit report. Residents age 65 and older do not have to pay the placement fee, but are subject to all removal fees. All fees are waived for victims of identity theft.

West Virginia

West Virginia charges $5.30 for each of the following actions: placing a credit freeze, temporarily removing said freeze, and permanently removing it. Victims of identity theft are exempt from all fees.

Brynne Conroy
Brynne Conroy |

Brynne Conroy is a writer at MagnifyMoney. You can email Brynne at brynne@magnifymoney.com

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