Web: www.consumer-action.org
Email: outreach@consumer-action.org
Phone: 415-777-9648

How to request a security freeze on ...
(ID theft victim/
non-victim)

(ID theft victim/
non-victim)

(ID theft victim/
non-victim)

Free / $10

Free / $10

Free ...
Equifax

Free / $10

Free / $12

Free / $10

Certified mail

Experian

Free / $10

Free / $10

Free; provide
creditor w/PI...
Equifax

Not available

Free / Free

Certified mail

Experian

Free / $20

Free / Free

Free; provide
creditor w/PIN

Free...
Equifax

Certified mail

Experian

Free / $10

Free / $10

Free; provide
creditor w/PIN

Free / $10

Certified, overnight
...
Equifax

Certified mail

Experian

Free / $10

Free / $10

Free; provide
creditor w/PIN

Free / $10

Certified, overnight
...
Equifax

Certified mail

Free / $5.25

Free / $5.25

Free; provide
creditor w/PIN

Free / $5.25

Certified mail

Free / $5...
Equifax

Certified mail

Experian

Free / $10

Free / $10

Free; provide
creditor w/PIN

Free / $10

Certified, overnight
...
Equifax

Certified mail

Experian

Free / $10
65+: Free

Free / $10
Free

Free; provide
creditor w/PIN

Free / $10
Free

C...
Free / Free
(subsequent
n/v, $5 each)

Free / $5

Free / $5

Free / $5

Certified or
overnight mail

Free / Free

Free / $...
Equifax

Free / $10
65+: Free

Free / $10
$10

Not available

Free / $10
$10

Certified mail

Experian

Free / $10
65+: Fr...
Equifax

Certified mail

Experian

Free / $10;
65+: Free

Free / $10;
Free

Free; provide
creditor w/PIN

Free / $10;
Free...
Equifax

Certified mail

Free / $10.83

Free / $10.83

Free; provide
creditor w/PIN

Free / $10.83

Certified mail

Free /...
Equifax

Certified mail

Experian

Free / $10

Free / $10

Free; provide
creditor w/PIN

Free / $10

Certified, overnight
...
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State Credit Freeze Chart

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State Credit Freeze Chart

  1. 1. Web: www.consumer-action.org Email: outreach@consumer-action.org Phone: 415-777-9648 How to request a security freeze on your credit files To place a security freeze, submit the following information to each credit reporting agency according to the submission and fee guidelines in the attached chart: • Your full name. • Social Security number. • Date of birth. • Copy of a government-issued ID, such as a driver’s license, state ID card or military ID card. • Proof of current address, such as a copy of a recent utility bill, bank statement or insurance statement displaying the date, your name and your address. Provide your previous addresses for the past two years, if applicable. • Send payment (credit or debit card number, check or money order) with your request. OR: • If you’re entitled to have your fee waived because you are a victim of identity theft (or the spouse of a victim in Massachusetts), you must provide proof that a complaint has been filed with a law enforcement agency or, in some states, the Department of Motor Vehicles (DMV). • Those entitled to a fee waiver because of age must submit proof of birth date, such as a copy of a birth certificate, driver’s license, state ID card or other legal document. Minors (in Nebraska) should also include a copy of their Social Security card. A minor’s appointed guardian requesting a freeze on behalf of the minor should include a copy of the court guardianship document. • In Washington state, victims of a security breach should include a copy of the letter notifying them of the breach. Mailing addresses: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 Experian Security Freeze, P.O. Box 9554 (711 Experian Parkway, for overnight mail), Allen, TX 75013 TransUnion Fraud Victim Assistance Dept. P.O. Box 6790, Fullerton, CA 92834 (1561 E. Orangethorpe Ave., 92831, for overnight mail) Consumer Action: How to request a security freeze on your credit files page 1 of 14
  2. 2. (ID theft victim/ non-victim) (ID theft victim/ non-victim) (ID theft victim/ non-victim) Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax $10 / $10 $10/$10 Not available $10 / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Arkansas (ID theft victim/ non-victim) TransUnion Arizona Remove Freeze Equifax Alaska Specific Creditor Lift TransUnion Alabama Time Sensitive Lift Equifax State Cost to Place Freeze Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Credit Reporting Agency Consumer Action: How to request a security freeze on your credit files Request Freeze by: page 2 of 14
  3. 3. Equifax Free / $10 Free / $12 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / Free (subsequent, $10 each) $10 / $10 $12 / $12 $10 / $10 Certified mail Free / Free Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail Free / Free (subsequent, $10 each) Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail $10 / $10 $10 / $10 $12 / $12 $10 / $10 Certified mail Free / $10.60 Free / $10.60 Free; provide creditor w/PIN Free / $10.60 Certified mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax California Free / $10 Free / $10 Free / Free Free / Free Free / Free Certified mail Free / $10.58 Free / Free Free; provide creditor w/PIN Free / Free Certified mail Free / $10 Free / Free Free / Free Free / Free Call 888-909-8872 Equifax Colorado Experian TransUnion Equifax Connecticut D.C. Experian Experian TransUnion Consumer Action: How to request a security freeze on your credit files page 3 of 14
  4. 4. Equifax Not available Free / Free Certified mail Experian Free / $20 Free / Free Free; provide creditor w/PIN Free / Free Certified mail Free / $20 Free / Free Free / Free Free / Free Certified, overnight or regular mail Equifax Florida Free / Free TransUnion Delaware Free / $20 Free / $10 65+: Free Free / $10 $10 Not available Free / $10 Free Certified mail Experian Free / $10 65+: Free Free / $10 Free Free; provide creditor w/PIN Free / $10 Free Certified mail Certified, overnight or regular mail Free / $10 65+: Free (subsequent, $10 each) Free / $10 $10 Free / $10 $10 Free / $10 Free (subsequent, $10 each) Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $5 Free / $5 Free / $5 Free / $5 Certified mail Free / $5.20 Free; provide creditor w/PIN Free / $5.20 Certified mail Free / $5 Free / $5 Free / $5 Certified, overnight or regular mail TransUnion Georgia Hawaii Experian TransUnion Free / $5.20 Free / $5 Consumer Action: How to request a security freeze on your credit files page 4 of 14
  5. 5. Equifax Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $10 65+: Free Free / $10 $10 Free / $10 $10 Free / $10 Free Certified mail Experian Free / $10 65+: Free Free / $10 Free Free; provide creditor w/PIN Free / $10 Free Certified mail Free / $10 65+: Free Free / $10 Free Free / $10 Free Free / $10 Free Certified, overnight or regular mail Equifax Free / Free Free / Free Free / Free Free / Free Regular or certified mail Experian Free / Free Free / Free Free; provide creditor w/PIN Free / Free Certified, overnight or regular mail TransUnion Free / Free Free / Free Free / Free Free / Free Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Iowa Free / $10 TransUnion Indiana Free / $10 Equifax Illinois Free / $10 TransUnion Idaho Free / $10 Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Consumer Action: How to request a security freeze on your credit files page 5 of 14
  6. 6. Equifax Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Not available Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 62+: Free Free / $8 Free Not available Free / Free Free Certified mail Experian Free / $10 62+: Free Free / $8 Free Free; provide creditor w/PIN Free / Free Free Certified mail TransUnion Free / $10 62+: Free Free / $8 Free Free / $8 Free Free / Free Free Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $12 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Maine Free / $10 TransUnion Louisiana Not available Equifax Kentucky Free / $10 TransUnion Kansas Free / $10 Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Consumer Action: How to request a security freeze on your credit files page 6 of 14
  7. 7. Equifax Certified mail Free / $5.25 Free / $5.25 Free; provide creditor w/PIN Free / $5.25 Certified mail Free / $5 Free / $5 Free / $5 Free / $5 Certified, overnight or regular mail Free / $5 Free / $5 Free / $5 Free / $5 Certified, overnight or regular mail, or call 800-685-1111 Experian Free / $5 Free / $5 Free; provide creditor w/PIN Free / $5 Certified, overnight or regular mail Free / $5 Free / $5 Free / $5 Free / $5 Certified or overnight mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $5 Free / $5 Free / $5 Free / $5 Certified mail or call 800-685-1111 Experian Free / $5 Free / $5 Free; provide creditor w/PIN Free / $5 Certified mail or call 972-390-4172 TransUnion Minnesota Free / $5 TransUnion Michigan Free / $5 Equifax Massachusetts Free / $5 TransUnion Maryland Free / $5 Free / $5 Free / $5 Free / $5 Free / $5 Call 888-909-8872 Experian Consumer Action: How to request a security freeze on your credit files page 7 of 14
  8. 8. Equifax Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $3 Free / $3 Free / $3 Free / Free Regular or certified mail Experian Free / $3 Free / $3 Free; provide creditor w/PIN Free / Free Certified, overnight or regular mail TransUnion Free / $3 Free / $3 Free / $3 Free / Free Certified, overnight or regular mail Equifax Free / $15 <19: Free Free / Free Free Not available Free / Free Free Certified mail Experian Free / $15 <19: Free Free / Free Free Free; provide creditor w/PIN Free / Free Free Certified, overnight or regular mail TransUnion Nebraska Free / $10 TransUnion Montana Free / $10 Equifax Missouri Free / $10 TransUnion Mississippi $10 / $10 Free / $15 <19: Free Free / Free Free Free / Free Free Free / Free Free Certified, overnight or regular mail Consumer Action: How to request a security freeze on your credit files page 8 of 14
  9. 9. Equifax Certified mail Experian Free / $10 65+: Free Free / $10 Free Free; provide creditor w/PIN Free / $10 Free Certified, overnight or regular mail Free / $10 65+: Free Free / $10 Free Free / $10 Free Free / $10 Free Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / Free $5 / $5 $5 / $5 $5 / $5 Certified or overnight mail Experian Free / Free Free / $5 Free; provide creditor w/PIN Free / $5 Certified or overnight mail TransUnion Free / Free Free / $5 Free / $5 Free / $5 Certified or overnight mail Equifax New Mexico Free / $10 Free TransUnion New Jersey Free / $10 Free Equifax New Hampshire Free / $10 Free TransUnion Nevada Free / $10 65+: Free Free / $10 65+: Free Free / $5 Free Free / $5 Free Free / $5 Free Regular or certified mail Free / $10.50 65+: Free Free / $5.25 Free Free; provide creditor w/PIN Free / $5.25 Free Certified mail Free / $10 65+: Free Free / $5 Free Free / $5 Free Free / $5 Free Call 888-909-8872 Experian TransUnion Consumer Action: How to request a security freeze on your credit files page 9 of 14
  10. 10. Free / Free (subsequent n/v, $5 each) Free / $5 Free / $5 Free / $5 Certified or overnight mail Free / Free Free / $5 Free; provide creditor w/PIN Free / $5 Certified or overnight mail Free / Free (subsequent n/v, $5 each) Free / $5 Free / $5 Free / $5 Certified or overnight mail Equifax Free / $10 Free / $10 Not available Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $5 Free / $5 Free / $5 Free / Free Certified, overnight or regular mail, or call 800-685-1111 Experian Free / $5 Free / $5 Free; provide creditor w/PIN Free / Free Call 972-390-4179 TransUnion Free / $5 Free / $5 Free / $5 Free / Free Call 888-909-8872 Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax New York Experian TransUnion North Carolina North Dakota Ohio Consumer Action: How to request a security freeze on your credit files page 10 of 14
  11. 11. Equifax Free / $10 65+: Free Free / $10 $10 Not available Free / $10 $10 Certified mail Experian Free / $10 65+: Free Free / $10 Free Free; provide creditor w/PIN Free / $10 Free Certified mail Free / $10 65+: Free (subsequent, $10) Free / $10 $10 Free / $10 $10 Free / $10 Free (subsequent, $10) Certified, overnight or regular mail Equifax Free / $10 Free / $10 Not available Free / $10 Regular or certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 65+: Free Free / $10 $10 Free / $10 $10 Free / Free Free Certified mail Free / $10.70 65+: Free Free / $10.70 Free Free; provide creditor w/PIN Free / Free Free Certified mail Free / $10 65+: Free Free / $10 $10 Free / $10 $10 Free / Free Free Certified, overnight or regular mail Oklahoma TransUnion Oregon Pennsylvania Experian TransUnion Consumer Action: How to request a security freeze on your credit files page 11 of 14
  12. 12. Equifax Certified mail Experian Free / $10; 65+: Free Free / $10; Free Free; provide creditor w/PIN Free / $10; Free Certified mail Free / $10; 65+: Free Free / $10; Free Free / $10; Free Free / $10; Free Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Free / $10.60 Free / $10.60 Free; provide creditor w/PIN Free / $10.60 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Free / $10.60 Free / $10.60 Free; provide creditor w/PIN Free / $10.60 Certified, overnight or regular mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $7.50 Free / Free Free; provide creditor w/PIN Free / $5 Certified mail TransUnion Tennessee Free / $10 Free TransUnion South Dakota Not available Equifax South Carolina Free / $10 Free TransUnion Rhode Island Free / $10 65+: Free Free / $7.50 Free / Free Free / Free Free / $5 Certified, overnight or regular mail Experian Experian Consumer Action: How to request a security freeze on your credit files page 12 of 14
  13. 13. Equifax Certified mail Free / $10.83 Free / $10.83 Free; provide creditor w/PIN Free / $10.83 Certified mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 Free / $5 Free / $5 Free / $5 Certified mail Experian Free / $10 Free / $5 Free; provide creditor w/PIN Free / $5 Certified mail TransUnion Free / $10 Free / $5 Free / $5 Free / $5 Certified, overnight or regular mail Equifax Free / $10 Free / $10 Free / $10 Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail TransUnion Virginia Free / $10 TransUnion Vermont Free / $12 Equifax Utah Free / $10 TransUnion Texas Free / $10 Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Experian Consumer Action: How to request a security freeze on your credit files page 13 of 14
  14. 14. Equifax Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified, overnight or regular mail Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Free / $5 Free / $5 Not available Free / $5 Certified or overnight mail Free / $5.30 Free / $5.30 Free; provide creditor w/PIN Free / $5.30 Certified, overnight or regular mail Free / $5 Free / $5 Free / $5 Free / $5 Certified or overnight mail Equifax Free / $10 Free / $10 Not available Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Equifax Free / $10 Free / $10 Not available Free / $10 Certified mail Experian Free / $10 Free / $10 Free; provide creditor w/PIN Free / $10 Certified mail TransUnion Wyoming Free / $10 TransUnion Wisconsin Free / $10 Equifax West Virginia Free / $10 TransUnion Washington Free / $10 Free / $10 Free / $10 Free / $10 Free / $10 Certified, overnight or regular mail Experian Consumer Action: How to request a security freeze on your credit files page 14 of 14

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