eCreditFreeze - State guidelines in the credit freeze process


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The amount charged to you by each credit agency is based on your state of residence, age, and whether or not you have been a victim of ID theft. In addition, in some states, sales tax may apply. There are generally no fees if you have been a victim of ID theft and you have documented proof (e.g., police report) of that event. Fees for people who have not been a victim of ID theft range from $0 to $10 per agency with the exception of Nebraska ($15) and Delaware ($20).

For example, regardless of age and regardless of being a documented victim of ID theft, Indiana residents receive this service free of all charges from the 3 credit agencies. This includes the initial request and temporary or permanent freeze lifts. If you were a documented victim of ID theft, the vast majority of states will charge no fee for an initial credit freeze. If you were not a documented victim of ID theft, most agencies will charge you $10 for this service, but the fees range from $3 to $10 with the exception of Nebraska ($15) and Delaware ($20). Sales tax on top of their fees may also be applied in some instances.

State	Circumstance	Fee per Agency
Alabama	ID Theft Victim	Free
	Non-Victim	10
Alaska	ID Theft Victim	Free
	Non-Victim	10
Arizona	ID Theft Victim	Free
	Non-Victim	10
Arkansas	ID Theft Victim	10
	Non-Victim	10
California	ID Theft Victim	Free
	Non-Victim	10
Colorado	ID Theft Victim	First Free (1)
	Non-Victim	First Free (1)
Connecticut	ID Theft Victim	10
	Non-Victim	10
District of Columbia	ID Theft Victim	Free
	Non-Victim	10
Delaware	ID Theft Victim	Free
	Non-Victim	20
Florida	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
Georgia	ID Theft Victim	Free
	Non-Victim	10
Hawaii	ID Theft Victim	Free
	Non-Victim	5
Idaho	ID Theft Victim	Free
	Non-Victim	10
Illinois	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
Indiana	ID Theft Victim	Free
	Non-Victim	Free
Iowa	ID Theft Victim	Free
	Non-Victim	10
Kansas	ID Theft Victim	Free
	Non-Victim	10
Kentucky	ID Theft Victim	Free
	Non-Victim	10
Louisiana	ID Theft Victim or 62 years of age or older	Free
	Non-Victim	10
Maine	ID Theft Victim	Free
	Non-Victim	10
Maryland	ID Theft Victim	Free
	Non-Victim	5
Massachusetts	ID Theft Victim or Spouse	Free
	Non-Victim	5
Michigan	ID Theft Victim	Free
	Non-Victim	10
Minnesota	ID Theft Victim	Free
	Non-Victim	5
Mississippi	ID Theft Victim	10
	Non-Victim	10
Missouri	ID Theft Victim	Free
	Non-Victim	10
Montana	ID Theft Victim	Free
	Non-Victim	3
Nebraska	ID Theft Victim or Minor	Free
	Non-Victim	15
Nevada	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
New Hampshire	ID Theft Victim	Free
	Non-Victim	10
New Jersey	ID Theft Victim	Free
	Non-Victim	Free
New Mexico	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
New York	ID Theft Victim	Free
	Non-Victim	First Free
North Carolina	ID Theft Victim	Free
	Non-Victim	10
North Dakota	ID Theft Victim	Free
	Non-Victim	5
Ohio	ID Theft Victim	Free
	Non-Victim	10
Oklahoma	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
Pennsylvania	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
Rhode Island	ID Theft Victim or 65 years of age or older	Free
	Non-Victim	10
South Carolina	ID Theft Victim	Free
	Non-Victim	10
South Dakota	ID Theft Victim	Free
	Non-Victim	10
Tennessee	ID Theft Victim	Free
	Non-Victim	10
Texas	ID Theft Victim	Free
	Non-Victim	10
Utah	ID Theft Victim	Free
	Non-Victim	10
Vermont	ID Theft Victim	Free
	Non-Victim	10
Virginia	ID Theft Victim	Free
	Non-Victim	10
Washington	ID Theft Victim or see (2) below	Free
	Non-Victim	10
West Virginia	ID Theft Victim or see (3) below	Free
	Non-Victim	5
Wisconsin	ID Theft Victim	Free
	Non-Victim	10
Wyoming	ID Theft Victim	Free
	Non-Victim	10
Puerto Rico	ID Theft Victim	Free
	Non-Victim	10
(1) If this is your first request for a credit freeze, there is no fee in Colrado for any agency (2) recipient of a computerized personal information data breach notification (3) written complaint to the FTC, Attorney General of WV, or other law enforcement agency