Question
What are Credit Lock Down / Credit Freeze States?
What Are The Credit Bureau Fees Associated With Credit Locking / Credit Freezing?
What Are The Credit Bureau Fees Associated With Permanently Removing A Lock?
What Are The Credit Bureau Fees Associated With Temporarily Removing A Lock?
Answer
Credit
Freeze / Credit Lock / Security Freeze is now available (either under
State Law or under a Voluntary Progam) in all 50 States and Washington
D.C. Hence, every resident in the U.S.A. can now place a Credit Freeze
/ Security Freeze / Credit Lock. Below is a complete State by State
Table summarizing the requirements, services and fees associated with
Credit Locking / Credit Freeze / Security Freeze.
|
State
|
Consumer
Status
|
Lock Fee
|
Permanent
Unlock Fee
|
Temporary
Unlock Fee
(Date Specific) |
Temporary
Unlock Fee
(Creditor Specific) |
| Alabama |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Alabama |
Not ID Theft Victim |
$10 |
$10 |
$10
|
$10
|
| Alaska |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Alaska |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Arizona |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Arizona |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Arkansas |
ID Theft Victim |
$10 |
$10
|
$10
|
NA
|
| Arkansas |
Not ID Theft Victim |
$10 |
$10 |
$10 |
NA |
| California |
ID Theft Victim |
Free |
Free |
Free |
Free |
| California |
Not ID Theft Victim |
$10 |
$10
|
$10 |
$12 |
| Colorado |
ID Theft Victim |
Free |
$10
|
$10 |
$12 |
| Colorado |
Not ID Theft Victim |
Free |
$10
|
$10 |
$12 |
| Connecticut |
ID Theft Victim |
$10
|
$10 |
$10
|
$12 |
| Connecticut |
Not ID Theft Victim |
$10 |
$10
|
$10 |
$12 |
| Delaware |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Delaware |
Not ID Theft Victim |
$20 |
Free |
Free |
Not Available |
| DC Washington |
ID Theft Victim
|
Free |
Free
|
Free
|
Free
|
| DC Washington |
Not ID Theft Victim
|
$10 |
Free
|
Free
|
Free
|
| Florida |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Florida |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
Georgia
|
ID Theft Victim |
Free |
Free |
Free |
Free |
| Georgia |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Hawaii |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Hawaii |
Not ID Theft Victim |
$5 |
$5 |
$5 |
$5
|
| Idaho |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Idaho |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Illinois |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Illinois |
Not ID Theft Victim |
$10 |
Free |
$10 |
$10 |
| Indiana |
ID Theft Victim |
Free |
Free
|
Free
|
Free
|
| Indiana |
Not ID Theft Victim |
Free |
Free
|
Free
|
Free
|
| iowa |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Iowa |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Kansas |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Kansas |
Not ID Theft Victim |
$10
|
$10
|
$10
|
Not Available
|
| Kentucky |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Kentucky |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
| Louisiana |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Louisiana |
Not ID Theft Victim |
$10 |
Free |
$8 |
Not Available |
| Maine |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Maine |
Not ID Theft Victim |
$10 |
$10
|
$10 |
$12 |
| Maryland |
ID Theft Victim |
Free |
Free |
Free |
Free |
Maryland
|
Not ID Theft Victim |
$5 |
$5
|
$5
|
$5
|
| Massachusetts |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Massachusetts |
Not ID Theft Victim |
$5 |
$5
|
$5
|
$5
|
| Michigan |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Michigan |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Minnesota |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Minnesota |
Not ID Theft Victim |
$5 |
$5
|
$5 |
$5 |
| Mississippi |
ID Theft Victim |
$10 |
Free |
Free |
Free |
| Mississippi |
Not ID Theft Victim |
$10 |
$10 |
$10 |
$10 |
| Missouri |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Missouri |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Montana |
ID Theft Victim
|
Free |
Free
|
Free
|
Free
|
Montana
|
Not ID Theft Victim
|
$3 |
Free
|
$3
|
$3
|
| Nebraska |
ID Theft Victim |
Free |
Free
|
Free
|
Not Available
|
| Nebraska |
Not ID Theft Victim |
$15 |
Free
|
Free
|
Not Available
|
| Nevada |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Nevada |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| New Hampshire |
ID Theft Victim |
Free |
Free |
Free |
Free |
| New Hampshire |
Not ID Theft Victim |
$10 |
$10
|
$10 |
$10 |
| New Jersey |
ID Theft Victim |
Free |
$5
|
$5
|
$5
|
| New Jersey |
Not ID Theft Victim |
Free |
$5
|
$5 |
$5 |
| New Mexico |
ID Theft Victim
|
Free |
Free
|
Free
|
Free
|
| New Mexico |
Not ID Theft Victim
|
$10 |
$5
|
$5
|
$5
|
| New York |
ID Theft Victim |
Free |
Free |
Free |
Free |
| New York |
Not ID Theft Victim |
First Free
Others $5 |
$5
|
$5 |
$5 |
| North Carolina |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| North Carolina |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
| North Dakota |
ID Theft Victim |
Free |
Free
|
Free
|
Free
|
| North Dakota |
Not iD Theft Victim |
$5 |
Free
|
$5
|
$5
|
| Ohio |
ID Theft Victim |
Free |
Free |
Free |
Free |
Ohio
|
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Oklahoma |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Oklahoma |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
| Oregon |
ID Theft Victim |
Free |
Free
|
Free
|
Not Available
|
Oregon
|
Not ID Theft Victim |
$10 |
$10
|
$10
|
Not Available
|
| Pennsylvania |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Pennsylvania |
Not ID Theft Victim |
$10 |
Free |
$10 |
$10 |
| Rhode Island |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Rhode Island |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
| South Carolina |
ID Theft Victim |
Free |
Free |
Free |
Free |
| South Carolina |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| South Dakota |
ID Theft Victim |
Free |
Free |
Free |
Free |
| South Dakota |
Not ID Theft Victim |
$10
|
$10
|
$10
|
$10
|
| Tennessee |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Tennessee |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Texas |
ID Theft Victim |
Free
|
Free |
Free |
Free |
| Texas |
Not ID Theft Victim |
$10
|
$10
|
$10
|
$12
|
| Utah |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Utah |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Vermont |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Vermont |
Not ID Theft Victim |
$10 |
$5
|
$5 |
$5 |
| Virginia |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Virginia |
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
| Washington |
ID Theft Victim |
Free |
Free |
Free |
Free |
| Washington |
Not ID Theft Victim |
$10
|
$10
|
$10
|
$10
|
| Washington DC |
ID Theft Victim |
Free |
Free
|
Free
|
Free
|
| Washington DC |
Not ID Theft Victim |
$10 |
Free
|
Free
|
Free
|
| West Virginia |
ID Theft victim |
Free
|
Free
|
Free
|
Not Available
|
West Virginia
|
Not ID Theft Victim |
$5
|
$5
|
$5
|
Not Available
|
| Wisconsin |
ID Theft Victim |
Free |
Free |
Free |
Not Available |
| Wisconsin |
Not ID Theft Victim |
$10 |
$10
|
$10 |
Not Available |
| Wyoming |
ID Theft Victim |
Free
|
Free
|
Free
|
Not Available
|
| Wyoming |
Not ID Theft Victim
|
$10 |
$10
|
$10
|
Not Available
|
Puerto Rico
|
ID Theft Victim |
Free |
Free |
Free |
Free |
Puerto Rico
|
Not ID Theft Victim |
$10 |
$10
|
$10
|
$10
|
Data Source: Equifax, other |
|
|
