Timeshare security freeze

Security Freeze

A Credit Freeze, also known as a Security Freeze, is a way for you to have maximum control over access to your credit.

Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion credit report in response to a new credit application. With a security freeze in place, even you will need to take special steps when you wish to apply for any type of credit.

You will need to place a security freeze separately with each of the three major credit reporting companies if you want the freeze on all of your credit files. There may be a fee for this service based on state law; see our chart below for further details. A security freeze remains on your credit file until you remove it or choose to lift it temporarily when applying for credit or credit-dependent services.

When should I consider a security freeze?

  • You want maximum control over access to your credit report.
  • You are concerned that you might become a victim of fraud/ID theft.
  • You are a victim of fraud/ID theft.
  • You won’t need to apply for credit in the foreseeable future.
  • You are the guardian of a minor or medically incapacitated consumer who won’t need to apply for credit in the foreseeable future.

A freeze is a drastic solution, but can prevent a credit report from being released in response to a new credit application, so you will need to plan ahead and lift the freeze before applying for new credit.

fraud alert is a good alternative for many consumers. It directs the credit report recipient to contact the consumer at a number the consumer provides before granting credit.

How do I set up a security freeze?
To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information:

  • Your full name, including middle initial and suffix, such as Jr., Sr. II, III
  • Social Security Number
  • Date of birth
  • Current address
  • All addresses where you have lived during the past two years
  • Email address
  • A copy of a government-issued identification card, such as a driver’s license or state ID card, etc.
  • A copy of a utility bill, bank or insurance statement, etc.

How To Lift a Security Freeze

If you wish to temporarily lift your Security Freeze, go online: It’s the fastest, easiest way to accomplish your goal right now.

By Telephone:

Call 844-215-2744 if you wish to temporarily lift your Security Freeze please fill out the Security Freeze Lift Form Here. Please have ready your Social Security number, date of birth, Security Freeze PIN, lift type, start and end dates and the payment method to be used to pay the applicable fee, if any, for the service. Please refer to the Security Freeze Table for fees, if any. Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Please note that it may take up to 15 minutes to process your request. It may take longer if you have lost your Security Freeze PIN.

By Mail:

Complete the Lift section of the Security Freeze Form that was sent to you with the Security Freeze information letter (sent to you after you requested the Security Freeze), and mail it to the address shown at the bottom of the form. Please refer to the Security Freeze Table for fees (if any). Under certain circumstances, as defined by state law, you may be eligible for reduced fee or free Security Freeze services. Acceptable forms of payment are check, money order, or credit card (American Express, Discover, MasterCard and Visa). When selecting the start date for your temporary lift, be sure to allow mail delivery time for your request to reach TransUnion. It may take up to three business days from date of receipt to process your request to temporarily lift the Security Freeze by mail. It may take longer if you have lost the Security Freeze PIN. Request Mailto: Timeshare Release Now 222 Saint John Street Suite 4G Portland, Maine 04102

Security Freeze Fees by State

While some states may be more restrictive or prescriptive, TransUnion has made certain business decisions that may make it easier or less expensive for certain consumers to place, lift or remove security freezes. These decisions are noted below:

  • TransUnion will allow any consumer in any state to add, lift or remove a security freeze.
  • TransUnion allows consumers in any state to add, lift or remove a freeze online, by phone or by mail. Victims of ID Theft should submit their request, along with acceptable documentation, to TU via mail.
  • TransUnion does not charge victims of identity theft who want to add or lift a security freeze.
  • TransUnion does not charge any consumer for security freeze removals.
  • When a state allows for different amounts to be charged for a lift for a specific party versus a lift for a period of time, TransUnion will charge the lesser of these amounts for either type of lift.
  • TransUnion does not currently charge a consumer for replacement passwords or personally identifiable numbers (PIN).

In order to be eligible for free security freeze services, you may be required to provide proof of eligibility by mail. Click here for more information.

 

State Consumer Class Fees
Add Lift Remove
AA,AP and AE addresses

(Armed Forces)*

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Alabama Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer 65 years of age or older Free $10 Free
Alaska Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $2 Free
Arizona Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Arkansas Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Consumer is 65 years of age or older Free $5 Free
California Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $5 Free
Colorado Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $10 Free
Connecticut Victim of ID Theft

Spouse of ID Theft Victim

Consumer on ID Theft Victim’s health insurance policy

Free Free Free
Not a victim of ID Theft $10 $10 Free
Victim of Domestic Violence Free Free Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Delaware Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Consumer is 65 years of age or older $5 Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
District of Columbia Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Florida Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Georgia Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Consumer is 65 years of age or older Free $3 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Guam * Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Hawaii Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Idaho Victim of ID Theft Free Free Free
Not a victim of ID Theft $6 $6 Free
Illinois Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Active duty military member Free Free Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Indiana Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Iowa Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $12 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Kansas Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Kentucky

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Louisiana Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $8 Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Maine Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer receives a notice of a security breach and provides a copy of that notice to the CRA Free N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Maryland Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer- under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Massachusetts Victim of ID Theft

Spouse of ID Theft Victim

Free Free Free
Not a victim of ID Theft $5 $5 Free
Michigan Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 and the CRA has a consumer report pertaining to the protected consumer Free N/A Free
Minnesota Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Mississippi Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Missouri Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Montana Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Nebraska Victim of ID Theft Free Free Free
Not a victim of ID Theft $3 $3 Free
Consumer is under the age of 19 Free N/A Free
Nevada Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
New Hampshire Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
New Jersey Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $5 Free
New Mexico Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Consumer is 65 years of age or older Free Free Free
New York Victim of ID Theft Free Free Free
Not a victim of ID Theft Free $5 Free
Victim of Domestic Violence Free Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $15 N/A Free
North Carolina Victim of ID Theft

Spouse of ID Theft Victim

Free Free Free
Not a victim of ID Theft Free Free Free
Consumer is 62 years of age or older Free Free Free
Protected Consumer—not a Victim of ID Theft $5 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
North Dakota Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Ohio Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Oklahoma Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Oregon Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer-—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Pennsylvania

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free $10 Free
Puerto Rico Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
Rhode Island Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
South Carolina Victim of ID Theft Free Free Free
Not a victim of ID Theft Free Free Free
Protected Consumer Free N/A Free
South Dakota

(expires after seven years)

Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Tennessee Victim of ID Theft Free Free Free
Not a victim of ID Theft $7.50 Free Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Texas Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $10 N/A Free
Utah Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—not a victim of ID Theft $5 N/A Free
Protected Consumer—under the age of 16 years and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Vermont Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Virgin Islands * Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Virginia Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 Free Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer-—not a victim of ID Theft $10 N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Washington Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Consumer is 65 years of age or older Free Free Free
West Virginia Victim of ID Theft Free Free Free
Not a victim of ID Theft $5 $5 Free
Wisconsin Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free
Protected Consumer—medically incapacitated and not a victim of ID Theft $10 N/A Free
Protected Consumer—Victim of ID Theft Free N/A Free
Protected Consumer—under the age of 16 and the CRA has a credit report pertaining to the protected consumer Free N/A Free
Wyoming Victim of ID Theft Free Free Free
Not a victim of ID Theft $10 $10 Free

*These states have not passed a security freeze law and will be processed in accordance to the default fee schedule.

 

Convenient Online Services

  • TransUnion Credit Report

Purchase your TransUnion Credit Report Online

  • Place a Fraud Alert

Help protect yourself from fraud or identity theft with a Fraud Alert

  • Place a Security Freeze

Control third party access to your credit with a Security Freeze

  • File or Check Status of a Dispute

Investigate potential inaccuracies on your credit report is easy. File a Dispute now or contact our Certified Support Team Toll-Free (844)-215-2744 local (207)-457-0209 www.TIMESHARERELEASENOW.com

 

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