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Credit Freeze Laws And Fees

Credit Freeze Laws and Fees By State


State Security Freeze Requirements and Fees

State

Requirement

Fees

Freeze

Date Range Lift

Specific Credit Grantor Lift

Remove

California
Effective 1/1/2003

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$10

$10

$12

Free

Colorado
Effective 7/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

First Free (Subsequent Freezes $10 each)

$10

$12 (per grantor)

Free

Connecticut
Effective 1/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$10

$10

$12

Free

Delaware
Effective 10/1/2006

ID Theft Victim

Free

Free

Not Eligible

Free

Non-Victim

$20 (Subsequent Freezes $20 each)

Free

Not Eligible

Free

Florida
Effective 7/1/2006

ID Theft Victim or 65 years of age or older

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

Hawaii
Effective 1/1/2007

ID Theft Victim

Free

Free

Free

Free

Non-Victim

Not Eligible

Illinois
Effective 1/1/2007

ID Theft Victim or 65 years of age or older

Free

Free

Free

Free

Non-Victim

$10

$10

$10

Free

Kansas
Effective 1/1/2007

ID Theft Victim

Free

Free

Not Eligible

Free

Non-Victim

Not Eligible

Kentucky
Effective 7/11/2006

ID Theft Victim

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

Louisiana
Effective 7/1/2005

ID Theft Victim or 62 years of age or older

Free

Free

Not Eligible

Free

Non-Victim

$10

$8

Not Eligible

Free

Maine
Effective 2/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$10

$10

$12

Free

Minnesota
Effective 8/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$5

$5

$5

Free

Nevada
Effective 10/1/2005

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$15

$18

$20

Free

New Hampshire
Effective 1/1/2007

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$10

$10

$10

Free

New Jersey
Effective 1/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

Free

$5

$5

Free

New York
Effective 11/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

First Free (Subsequent Freezes $5 each)

$5

$5

Free

North Carolina
Effective 12/1/2005

ID Theft Victim

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

Oklahoma
Effective 1/1/2007

ID Theft Victim or 65 years of age or older

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

Pennsylvania
Effective 1/1/2007

ID Theft Victim or 65 years or older

Free

Free

Free

Free

Non-Victim

$10

$10

$10

Free

Rhode Island
Effective 1/1/2007

ID Theft Victim or 65 years of age or older

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

South Dakota
Effective 7/1/2006

ID Theft Victim

Free

Free

Free

Free

Non-Victim

Not Eligible

Texas
Effective 9/1/2003

ID Theft Victim

$8

Free

Free

Free

Non-Victim

Not Eligible

Vermont
Effective 7/1/2005

ID Theft Victim

Free

Free

Free

Free

Non-Victim

$10

$5

$5

Free

Washington
Effective 7/24/2005

ID Theft Victim or recipient of a computerized personal information data breach notification

Free

Free

Free

Free

Non-Victim

Not Eligible

Wisconsin
Effective 1/1/2007

ID Theft Victim

Free

Free

Not Eligible

Free

Non-Victim

$10

$10

Not Eligible

Free

All Other States

Not Eligible

 

*Credit freeze laws and fees data are provided by Equifax. Such credit freeze laws and fees vary from State to State.

There are many differnces in features, availability, fees, request channels, and types when it comes to credit freeze laws accross the United States. These diffences are summarized here.

Read about credit freeze when you're done with credit freeze laws.

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