However, the process can be confusing because the cost and process vary from state to state and among the three major credit bureaus. A credit freeze will remain in effect until you choose it lift it yourself, either temporarily or permanently, unless you live in a state that limits the freeze to seven years.You just need to know how to do the initial freeze with each credit bureau. Once that's done, it will remain in effect as long as you wish.t usually runs from $3 to $10, although it may be free if you are already a victim of identity theft. Once you do the freeze, it will last until you thaw it, either temporarily or permanently. You may be charged a fee each time you thaw it if you do so temporarily.