SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/credit-freeze-free

How much does it cost to freeze your credit at the credit bureaus?

Nothing. It's free to place and to lift a credit freeze.

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The Just Right card

Too littleWait until your identity gets stolen
Too muchPay a service to freeze it for you
Just rightFreeze it yourself, free, at all three

Huh, didn't know that: Applying for a loan, job or apartment? You can lift the freeze for a while, then put it back.

The dad joke
How do you keep a bagel from running away? Put lox on it.
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References

Answer: Nothing, it's free to place and lift. A credit freeze costs nothing and doesn't hurt your score. While it's on, nobody can open a new credit account in your name, so thieves get stuck.

  1. FTC: What To Know About Credit Freezes and Fraud Alerts consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts
    There's no cost to place or lift a credit freeze, and it doesn't affect your credit score.
    Checked 2026-10-09.

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