All others pay $10 to place, temporarily lift or remove the freeze $12 fee to temporarily lift the freeze for a specific creditor. Non-ID theft victims may use the voluntary program.Ĭalifornia (security freeze rights established by state law)įees: No fee for identity theft victims. Instructions for using Arkansas’ security freeze law Instructions for using Arizona’s security freeze lawĪrkansas (security freeze rights for identity theft victims established by state law)įees: $10 to place the freeze, lift it temporarily, or remove it altogether All others pay a $5 fee to place the freeze, lift it temporarily, or remove it altogether. Instructions for using Alaska’s security freeze lawīefore July 1, 2009, you may use the voluntary program.Īrizona (security freeze rights established by state law)įees: No fees for identity theft victims with police reports. Permanent freeze remains until removal requested by consumer. All others pay a $5 fee to place the freeze and $2 for a temporary lift. Security Freeze Instructions for TransUnionįees: No fees for identity theft victims with a copy of a complaint to law enforcement. Security Freeze Instructions for Experian All others pay $10 to place, temporarily lift, or remove the freeze altogether. In order to effectively freeze access to your credit files, you must request the security freeze at all three major credit bureaus.įees: No fee for identity theft victims. However, as of November 1, 2007, Equifax, Experian, and TransUnion are all making the freeze available voluntarily to Alabama residents. However, we strongly recommend that you also check with the three major credit reporting agencies ( TransUnion, Equifax and Experian) to ensure you are submitting the proper documents when placing and using the security freeze.Īlabama is one of the few states that has not passed a law requiring the availability of the security freeze. PLEASE NOTE: Consumers Union has provided the following templates as general guidelines on how to place the security freeze in your state. In order to effectively freeze access to your credit files, you must request the security freeze at each three major credit bureaus. The freeze also will be available to all consumers in the four states with laws that limit this protection to identity theft victims only (Arkansas, Kansas, Mississippi, and South Dakota). Starting November 1, 2007, the security freeze has been be offered voluntarily by Equifax, Experian, and TransUnion to consumers living in the states that have not yet adopted security freeze laws ( Alabama, Michigan, and Missouri). Security Freeze Is Now Available In All Other States Rhode Island, South Carolina, South Dakota, States That Have Adopted Security Freeze Laws:įorty-seven states and the District of Columbia have enacted laws requiring the credit bureaus to enable consumers to protect their credit files with a security freeze.įlorida, Georgia, Hawaii, Idaho, Indiana, If you are you experiencing problems with your security freeze, click here. To help you decide if getting a security freeze is right for you, click here. For more information, see: Frequently Asked Questions about the security freeze. When the consumer is applying for credit, he or she can lift the freeze temporarily using a PIN so legitimate applications for credit or services can be processed. When a security freeze is in place at all three major credit bureaus, an identity thief cannot open a new account because the potential creditor or seller of services will not be able to check the credit file. Stolen personal information like Social Security numbers to open new accounts in their victim’s name.Ī security freeze gives consumers the choice to “freeze” or lock access to their credit file against anyone trying to open up a new account or to get new credit in their name. Many of these victims find that crooks have used There are more than eight million new victims of identity theft each year in the U.S. Consumers Union’s Guide to Security Freeze Protection
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