Is the charge for setting or removing a security freeze on a consumer credit report consistent across credit reporting agencies?

The charge for setting or removing a security freeze on a consumer credit report does indeed vary by agency. Each of the three major credit reporting agencies—Equifax, Experian, and TransUnion—may have different policies and procedures in place regarding fees associated with security freezes. While federal law mandates that consumers should be able to place or lift a freeze without charge, some agencies may impose fees under certain conditions or offer additional services related to the freeze process that could incur costs.

This variation in charges emphasizes the importance of consumers checking with each specific agency to understand what fees, if any, they might encounter when setting or lifting security freezes. Additionally, this situation allows for differing policies that can evolve over time, making it essential for individuals to stay informed about their rights and the practices of the credit bureaus they interact with.