Are the fees for credit freezes annual or one-time for a specific freeze?
Steve Seuser

Hi Steve Seuser, this actually varies by state. A security freeze costs between $3–10 for each of the three major national credit bureaus, depending on the state. There is a $2–12 fee, depending on the state, for unfreezing your credit report with each bureau. All states give you the right to free security freezes if you can prove that you are an identity theft victim. Some states offer them for free to consumer 65 years+.

There are seven states where freezes are free to all consumers, whether they are identity theft victims or not: Colorado, Indiana, Maine, New Jersey, New York, North Carolina, and South Carolina.

Here’s a state by state list:

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