When a company "pulls" your credit they are not given the report for free. Equifax and the like sell a credit reporting service to banks and other companies who would want to see your credit history. When you freeze your report, reporting agencies are not allowed to sell your report to anyone, at your request, meaning they are losing revenue. The freeze fee makes sense when you realize your report is the product they are selling. "You're not allowing us to make money? Fine, then you need to help make up the difference with a fee." Just like stockbrokers, they are intent on making money both coming and going.