Credit Freeze

Control third party access to your credit with a Security Freeze

Place a Security Freeze
online now

A Credit Freeze, also known as a Security Freeze, is a way for you to have maximum control of access to your credit. A more dramatic step to protect your credit.When to Add a Security Freeze
If you are very concerned about becoming a victim of fraud or identity theft, a Security Freeze might be right for you.


Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion Credit Report entirely, which will prevent them from extending credit. With a Security Freeze in place, even you will need to take special steps when you wish to apply for any type of credit.


Because of more stringent security features, you will need to place a Security Freeze separately with each of the three major credit reporting companies if you want the freeze on all of your credit files. A Security Freeze remains on your credit file until you remove it or choose to lift it temporarily when applying for credit or credit-dependent services.


Placing a protective freeze for a child can prevent fraudulent accounts from being opened with your child’s identity. If you are the parent/legal guardian of a minor or medically incapacitated consumer and reside in an eligible state, you may have the right to request a Protected Consumer Freeze.

 

SECURITY FREEZE

Need/interest:

- You want maximum control of your credit.

- You are concerned that you might become a victim of fraud/ID theft.

- You are a victim of fraud/ID theft.

- You won’t need to apply for credit in the foreseeable future.

- You are the guardian of a minor or medically incapacitated consumer who won’t need to apply for credit in the foreseeable future.

Notes:

- Place a Security Freeze with each of the 3 CRCs1 individually - with credit frozen, you will need to take special steps when you want to apply for credit.

 

1CRCs = Three major credit reporting companies – TransUnion, Equifax and Experian

Duration:

-Until you choose to remove it permanently or temporarily lift.

-Until the minor becomes an adult.

-Until an authorized request is made to permanently remove the freeze

Next steps:

Learn more >>

Place Security Freeze >>

 

Lifting a Security Freeze

If you wish to temporarily lift your Security Freeze: Go online: It’s the fastest, easiest way to accomplish your goal right now >>

By Telephone:

Call 888-909-8872 if you wish to temporarily lift your Security Freeze. Our interactive voice response system will guide you through the process. Please have ready your Social Security number, date of birth, Security Freeze PIN, lift type, start and end dates and the payment method to be used to pay the applicable fee, if any, for the service. Please refer to the Security Freeze Table for fees, if any. Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Please note that it may take up to 15 minutes to process your request. It may take longer if you have lost your Security Freeze PIN.


By Mail:


Complete the Lift section of the Security Freeze Form that was sent to you with the Security Freeze information letter (sent to you after you requested the Security Freeze), and mail it to the address shown at the bottom of the form. Please refer to the Security Freeze Table for fees (if any). Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Acceptable forms of payment are check, money order, or credit card (American Express, Discover, MasterCard and Visa). When selecting the start date for your temporary lift, be sure to allow mail delivery time for your request to reach TransUnion. It may take up to three business days from date of receipt to process your request to temporarily lift the Security Freeze by mail. It may take longer if you have lost the Security Freeze PIN.

 

Security Freeze Fees by State

While some states may be more restrictive or prescriptive, TransUnion has made certain business decisions that may make it easier or less expensive for certain consumers to place, lift or remove security freezes. These decisions are noted below:

  • TransUnion will allow any consumer in any state to add, lift or remove a security freeze.
  • TransUnion allows consumers in any state to add, lift or remove a freeze online, by phone or by mail. Victims of ID Theft should submit their request, along with acceptable documentation, to TU via mail.
  • TransUnion does not charge Victims of Identity Theft who want to add or lift a security freeze.
  • TransUnion does not charge any consumer for security freeze removals.
  • When a state allows for different amounts to be charged for a lift for a specific party versus a lift for a period of time, TransUnion will charge the lesser of these amounts for either type of lift.
  • TransUnion does not currently charge a consumer for replacement passwords or personally identifiable numbers (PIN).

In order to be eligible for free security freeze services, you may be required to provide proof of eligibility by mail. Click here for more information.

 

State

Consumer Class

Fees

Add

Lift

Remove

AA,AP and AE addresses

(Armed Forces)*

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Alabama

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer 65 years of age or older

Free

$10

Free

Alaska

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$2

Free

Arizona

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Arkansas

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Consumer is 65 years of age or older

Free

$5

Free

California

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

$5

Free

Colorado

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

$10

Free

Connecticut

Victim of ID Theft

Spouse of ID Theft Victim

Consumer on ID Theft Victim’s health insurance policy

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Victim of Domestic Violence

Free

Free

Free

Consumer is 62 years of age or older

Free

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Delaware

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Consumer is 65 years of age or older

$5

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

District of Columbia

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Florida

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

$10

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Georgia

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$3

$3

Free

Consumer is 65 years of age or older

Free

$3

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Guam *

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Hawaii

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Idaho

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$6

$6

Free

Illinois

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

$10

Free

Active duty military member

Free

Free

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Indiana

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

Free

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Iowa

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$12

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Kansas

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Kentucky

(expires after seven years)

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Louisiana

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$8

Free

Consumer is 62 years of age or older

Free

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Maine

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer receives a notice of a security breach and provides a copy of that notice to the CRA

Free

N/A

Free

Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Maryland

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Protected Consumer- under the age of 16 and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Massachusetts

Victim of ID Theft

Spouse of ID Theft Victim

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Michigan

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—under the age of 16 and the CRA has a consumer report pertaining to the protected consumer

Free

N/A

Free

Minnesota

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Mississippi

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Missouri

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Montana

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$3

$3

Free

Nebraska

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$3

$3

Free

Consumer is under the age of 19

Free

N/A

Free

Nevada

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

Free

Free

New Hampshire

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

New Jersey

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

$5

Free

New Mexico

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Consumer is 65 years of age or older

Free

Free

Free

New York

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

$5

Free

Victim of Domestic Violence

Free

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$15

N/A

Free

North Carolina

Victim of ID Theft

Spouse of ID Theft Victim

Free

Free

Free

Not a victim of ID Theft

Free

Free

Free

Consumer is 62 years of age or older

Free

Free

Free

Protected Consumer—not a Victim of ID Theft

$5

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

North Dakota

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Ohio

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Oklahoma

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

$10

Free

Oregon

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Protected Consumer-—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Pennsylvania

(expires after seven years)

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

$10

Free

Puerto Rico

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

Free

Free

Rhode Island

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

Free

Free

South Carolina

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

Free

Free

Free

Protected Consumer

Free

N/A

Free

South Dakota

(expires after seven years)

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Tennessee

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$7.50

Free

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Texas

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$10

N/A

Free

Utah

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—not a victim of ID Theft

$5

N/A

Free

Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Vermont

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Virgin Islands *

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Virginia

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer-—not a victim of ID Theft

$10

N/A

Free

Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Washington

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

Consumer is 65 years of age or older

Free

Free

Free

West Virginia

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$5

$5

Free

Wisconsin

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

Free

Free

Protected Consumer—medically incapacitated and not a victim of ID Theft

$10

N/A

Free

Protected Consumer—Victim of ID Theft

Free

N/A

Free

Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer

Free

N/A

Free

Wyoming

Victim of ID Theft

Free

Free

Free

Not a victim of ID Theft

$10

$10

Free

*These states have not passed a security freeze law and will be processed in accordance to the default fee schedule.

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