Washingtonians: Here’s how much it costs to freeze your credit after Equifax breach

After the big Equifax data breach, many consumers are thinking about a credit freeze, which experts say is a good idea. But if you’re under 65 and aren’t sure if you’re a victim of identity theft, you’ll have to pay to have the three credit agencies block access.

It’s been a week since news broke of what could be the largest hack of credit data ever, and many Americans still aren’t sure whether their financial information is vulnerable.

Along with many other authorities, Washington Attorney General Bob Ferguson this week encouraged all Washingtonians to consider a credit freeze even if Equifax says on its security site that your personal data wasn’t breached.

A credit freeze, the attorney general’s website says, makes it harder for a hacker to open an account or credit card in your name — but consumers must place a freeze with all three credit-reporting agencies, and you cannot open new lines of credit until the freeze is temporarily lifted or removed.

Although Equifax is waiving its fee for credit freezes until Nov. 21, it usually costs to place a freeze, unless you are already a victim of identity theft. Here’s how much they cost in Washington:

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­Equifax: Freezes are free, for the next few weeks. Removing or temporarily lifting the fee costs $10, according to Equifax’s website, unless you’re 65 or older. If you’re removing a security freeze for a protected consumer — which Washington state law defines as someone under 16, is incapacitated or has a guardian or conservator — the removal fee is $3.

TransUnion: In Washington, it costs $10 to have TransUnion freeze your credit if you’re not a victim of identity theft and under 65. It’s free for seniors. It is free for all consumers to remove the freeze, according to TransUnion’s website. Trans­Union’s website doesn’t mention a waiver for protected consumers.

Experian:$10.95 (which includes tax) to freeze, and $10.95 to remove. If you are over the age of 65, or a protected consumer under Washington law, the fee is waived, according to Experian’s website.

Ferguson’s office encouraged Washingtonians to get the free annual credit reports provided by the three major credit-reporting agencies, spacing the reports out every four months to stay up to date.

Washingtonians who have had their information stolen should report it to the Federal Trade Commission at Read the full article from the Source…

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