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 >>

 

The following table contains a list of the most common Security Freeze fees by state. Under certain circumstances, as defined by state law, additional consumer classes may be eligible for reduced or free Security Freeze services. Contact our Fraud Victim Assistance Department at (800) 680-7289 to speak with a representative should you have any questions regarding TransUnion Security Freezes.

 

Credit Freeze Fees

 

Security Freeze Fee Information Table

State

Requirements

Fee Information

Add

Lift

Remove

AA, AP
and AE
addresses
(Armed Forces)*

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Alabama

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

$10.00

Free**

Non-Victim

$10.00

$10.00

Free**

Alaska

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$2.00

Free**

Arizona

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR a medically incapacitated AND victim of ID theft)

N/A

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR a medically incapacitated AND victim of ID theft)

Non-Victim

$5.00

$5.00

Free**

Arkansas

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

Free**

Free**

Non-Victim

$5.00

Free**

Free**

California

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

$5.00

$5.00

Free**

Non-Victim

$10.00

$10.00

Free**

Colorado

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

Free**
(initial request)
$10.00 (subsequent requests after the initial freeze was removed)

$10.00

Free**

Connecticut

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Delaware

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

$5.00

Free

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR a medically incapacitated AND victim of ID theft)

N/A

Free

Non-victim

$10.00

Free**

Free**

District of Columbia

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

Free**

Free**

Florida

Identity Theft Victim

Free**

Free**

Free**

Protected Consumers

$10.00 (Medically incapacitated AND not a victim of ID theft) $10.00 (Minor under age of 16 AND not a victim of ID theft) Free (Minor under age of 16 or medically incapacitated AND victim of ID theft)

N/A

Free

Non-Victim

$10.00

$10.00

Free**

Georgia

Identity Theft Victim

Free**

Free**

Free**

Protected Consumers

Free (Medically incapacitated and minor under age of 16)

N/A

Free**

Non-Victim

$3.00

$3.00

Free

Guam*

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Hawaii

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Idaho

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$6.00

$6.00

Free**

Illinois

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

$10.00

Free**

Active duty military service member

Free**

Free**

Free**

Protected Consumer

$10.00
(Medically incapacitated) Free (Minor under age of 18)

N/A

Free**

Non-Victim

$10.00

$10.00

Free**

Indiana

Identity Theft Victim

Free

Free

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Non-Victim

Free

Free

Free**

Iowa

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

Free (Medically incapacitated and minor under age of 16)

N/A

Free

Non-Victim

$10.00

$12.00

Free**

Kansas

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Kentucky (expires after seven years)

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Louisiana

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

Free (Medically incapacitated and minor under age of 16)

N/A

Free

Age 62 years or older

Free**

Free**

Free**

Non-Victim

$10.00

$8.00

Free**

Maine

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

Free**

Free**

Free**

Maryland

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Massachusetts

Identity Theft Victim and Victim's Spouse

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Michigan

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Non-Victim

$10.00

$10.00

Free**

Minnesota

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Mississippi

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Missouri

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Montana

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$3.00

$3.00

Free**

Nebraska

Identity Theft Victim

Free**

Free**

Free**

Minors (child under the age of 19)

Free**

Free**

Free**

Non-Victim

$3.00

$3.00

Free**

Nevada

Identity Theft Victim or
Age 65 years or older

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

New Hampshire

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

New Jersey

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

Free**

$5.00

Free**

New Mexico

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

Free**

Free**

Non-Victim

Free

Free

Free**

New York

Identity Theft Victim

Free**

Free**

Free**

Victims of domestic abuse

Free**

Free**

Free**

Protected Consumer

$15 (Minor under age of 16 AND is not a victim of identity theft) Free (Minor under age of 16 AND is a victim of identity theft)

N/A

Free

Non-Victim

Free** (Initial Request) $5.00 (subsequent requests after the initial freeze was removed)

$5.00

Free**

North Carolina

Identity Theft Victim and Victim's Spouse

Free**

Free**

Free**

Age 63 years or older

Free**

Free**

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft; OR minor and not a victim of ID theft) Free (Minor under age of 16 AND a victim of ID theft; OR protected consumer over the age of 62; OR a medically incapacitated AND victim of ID theft)

N/A

$5.00 (Medically incapacitated AND not a victim of ID theft; OR minor and not a victim of ID theft) Free (Minor under age of 16 AND a victim of ID theft; OR protected consumer over the age of 62; OR a medically incapacitated AND victim of ID theft)

Non-Victim

Free

Free

Free**

North Dakota

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Ohio

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Oklahoma

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**
(initial Request)
$10.00 (subsequent requests after initial freeze was removed)

$10.00

Free**

Non-Victim

$10.00

$10.00

Free**

Oregon

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Protected Consumer

$10.00
$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 17 OR medically incapacitated AND a victim of ID theft)

N/A

Free**

Pennsylvania (expires after seven years)

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

$10.00

Free**

Non-Victim

$10.00

$10.00

Free**

Puerto Rico*

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Rhode Island

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

South Carolina

Identity Theft Victim

Free

Free

Free**

Protected Consumer

Free (Medically incapacitated and minor under age of 16)

N/A

Free

Non-Victim

Free

Free

Free**

South Dakota (expires after seven years)

Identity Theft Victim

Free**

Free**

Free**

Non-victim

$10.00

$10.00

Free**

Tennessee

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$7.50

Free**

Free**

Protected Consumer

$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

Free**

Free**

Texas

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Non-Victim

$10.00

$10.00

Free**

Utah

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR a medically incapacitated AND victim of ID theft)

N/A

$5.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR a medically incapacitated AND victim of ID theft)

Non-Victim

$10.00

$10.00

Free**

Vermont

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$5.00

Free**

Virgin
Islands*

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

Virginia

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Non-Victim

$10.00

Free**

Free**

Washington

Identity Theft Victim

Free**

Free**

Free**

Age 65 years or older

Free**

Free

Free**

Non-Victim

$10.00

$10.00

Free**

West
Virginia

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$5.00

$5.00

Free**

Wisconsin

Identity Theft Victim

Free**

Free**

Free**

Protected Consumer

$10.00 (Medically incapacitated AND not a victim of ID theft) Free (Minor under age of 16 OR medically incapacitated AND a victim of ID theft)

N/A

Free

Non-Victim

$10.00

$10.00

Free**

Wyoming

Identity Theft Victim

Free**

Free**

Free**

Non-Victim

$10.00

$10.00

Free**

 

Fees are subject to change without notice. 
  *These states have not passed a Security Freeze law and will be processed in accordance with the default fees. 
**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. 

Lift Credit 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

 

Convenient Online Services
  • TransUnion Credit Report

    Purchase your TransUnion Credit Report Online

  • Place a Fraud Alert

    Help protect yourself from fraud or identity theft with a Fraud Alert

  • Place a Security Freeze

    Control third party access to your credit with a Security Freeze

  • File or Check Status of a Dispute

    Investigate potential inaccuracies on your credit report is easy. File a Dispute now