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Credit Freeze

Control third party access to your credit with a Security Freeze

A Credit Freeze, also known as a Security Freeze, is a way for you to have maximum control over access to your credit.

Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion credit report in response to a new credit application. With a security freeze in place, even you will need to take special steps when you wish to apply for any type of credit.

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. There may be a fee for this service based on state law; see our chart below for further details. 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.

When should I consider a security freeze?

You want maximum control over access to your credit report.
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.

A freeze is a drastic solution, but can prevent a credit report from being released in response to a new credit application, so you will need to plan ahead and lift the freeze before applying for new credit.

A fraud alert is a good alternative for many consumers. It directs the credit report recipient to contact the consumer at a number the consumer provides before granting credit.

How do I set up a security freeze?
To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information:

Your full name, including middle initial and suffix, such as Jr., Sr. II, III
Social Security Number
Date of birth
Current address
All addresses where you have lived during the past two years
Email address
A copy of a government-issued identification card, such as a driver’s license or state ID card, etc.
A copy of a utility bill, bank or insurance statement, etc.

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
State	Consumer Class	Add	Lift	Remove
AA,AP and AE addresses (Armed Forces)*	Victim of ID Theft	Free	Free	Free
AA,AP and AE addresses (Armed Forces)*	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
Alaska	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
Colorado	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
District of Columbia	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
Guam *	Not a victim of ID Theft	$10	$10	Free
Hawaii	Victim of ID Theft	Free	Free	Free
Hawaii	Not a victim of ID Theft	$5	$5	Free
Idaho	Victim of ID Theft	Free	Free	Free
Idaho	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
Kansas	Not a victim of ID Theft	$5	$5	Free
Kentucky (expires after seven years)	Victim of ID Theft	Free	Free	Free
Kentucky (expires after seven years)	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
Massachusetts	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
Minnesota	Not a victim of ID Theft	$5	$5	Free
Mississippi	Victim of ID Theft	Free	Free	Free
Mississippi	Not a victim of ID Theft	$10	Free	Free
Missouri	Victim of ID Theft	Free	Free	Free
Missouri	Not a victim of ID Theft	$5	$5	Free
Montana	Victim of ID Theft	Free	Free	Free
Montana	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
New Hampshire	Not a victim of ID Theft	$10	$10	Free
New Jersey	Victim of ID Theft	Free	Free	Free
New Jersey	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
North Dakota	Not a victim of ID Theft	$5	$5	Free
Ohio	Victim of ID Theft	Free	Free	Free
Ohio	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
Vermont	Not a victim of ID Theft	$10	Free	Free
Virgin Islands *	Victim of ID Theft	Free	Free	Free
Virgin Islands *	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
West Virginia	Not a victim of ID Theft	$5	$5	Free
Wisconsin	Victim of ID Theft	Free	Free	Free
	Not a victim of ID Theft	$10	$10	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
Wyoming	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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