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Identity frozen? Freeze your credit report -- Page 2

None of the three bureaus charge to permanently lift the freeze, but there are fees for a temporary lift -- even for identity theft victims.

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Depending on your state of residence, each agency has a different fee for locking down or lifting your credit file freeze. This chart outlines who can freeze their credit files and how much it will cost:

State Date law effective Who can freeze their fileCost and length of freeze Cost to temporarily unfreeze
CaliforniaJan. 1, 2003Any consumer No fee for identity theft victims; $10 for others to freeze at each ($30 total); indefinitely $10 for a temporary date-range lift per credit reporting agency ($30 total); $12 ($36 total) to lift for one creditor per agency
Texas
(See Chapter 20, Section 031)
Sept. 1, 2003 Identity theft victims only $8 to freeze; placement at one credit reporting agency must be honored by all; indefinitelyNo fees to remove
LouisianaJuly 1, 2005Any consumer No fee for identity theft victims or persons age 62 or older; $10 for others to freeze credit at each credit reporting agency ($30 total); indefinitely $8 for a temporary lift per credit reporting agency ($24 total)
VermontJuly 1, 2005Identity theft victims only No fees; indefinitelyNo fees
WashingtonJuly 24, 2005 Identity theft victims only, including persons who receive a notice of a security breach of computerized personal information No fees; indefinitelyNo fees
NevadaOct. 1, 2005Any consumer No fees for identity theft victims; $15 for others to freeze at each credit reporting agency ($45 total) $18 for a temporary lift per credit reporting agency ($54 total); $20 to lift for one creditor per agency ($60 total)
ConnecticutJan. 1, 2006 Any consumer $10 to freeze at each credit reporting agency ($30 total) $10 to lift temporarily or permanently per credit reporting agency ($30 total); $12 to lift for one creditor per agency (total $36)
IllinoisJan. 1, 2006 Identity theft victims onlyNo fees; indefinitelyNo fees
MaineFeb. 1, 2006Any consumer No fees for identity theft victims; up to $10 for others to freeze at each credit reporting agency ($30 total) $10 to lift temporarily or permanently per bureau ($30 total); $12 to lift for one creditor per bureau ($36 total)
Colorado July 1, 2006Any consumerNo fee for first freeze; $10 to place a second freeze $10 to lift temporarily or permanently per credit reporting agency ($30 total); $12 to lift for one creditor per agency ($36 total)

Plus each agency has a different procedure for consumers to freeze their files. Here's a chart explaining what you need to send each credit reporting agency to freeze your credit report:

Credit reporting agencyMailing addressWhat information to send
Equifax
1-800-685-1111
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
  • Send by certified mail.
  • Name, current and former address, Social Security number, date of birth
  • Pay by check, money order or credit card. Credit card (Visa, Master Card, American Express or Discover only): Give name of card, account number, expiration date
  • ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency
Experian
1-888-397-3742
Experian Security Freeze
P. O. Box 9554
Allen, TX 75013
  • Send by certified mail.
  • Full name, with middle initial and Jr./Sr., etc.
  • Current address and home addresses for past five years, Social Security number, birth date, two proofs of residence (copy of driver's license, utility bill, insurance statement, bank statement)
  • Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.
  • ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency
TransUnion
1-888-909-8872
Trans Union Security Freeze
P. O. Box 6790
Fullerton, CA 92834-6790
  • Send by regular or certified mail.
  • First name, middle initial, last name, Jr., etc.
  • Current home address and addresses for past five years, Social Security number, birth date
  • Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.
  • ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency
 
 
-- Updated: July 20, 2005
   

 

 
 

 

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