What is identity theft?
Identity theft is the crime of using someone else's personal information, such as an account number, driver's license, health insurance card or Social Security number, to commit fraud.
Why do I need identity theft monitoring?
You may think that identity theft could never happen to you — especially if you check your credit and bank card statements each month. Last year, millions of U.S. adults became victims. You are especially vulnerable if you frequently use credit cards or travel often. When an identity thief runs up fraudulent bills on your credit card or opens new accounts in your name, you might not even know you're a victim until you get a call from a collection agency. Identity Theft Monitoring products give you the resources you need to help minimize the damage of this shocking experience.
With Identity Theft monitoring, your credit report(s) will be monitored daily for key changes. If any are detected, an alert will be emailed to you the same day. You also have access to fraud support representatives to help you take immediate steps to minimize any damage.
What are the types of identity theft?
What are ways I can protect myself and my family?
Below is a quick identity theft protection checklist to safeguard one's identity:
What products does AAA offer for identity theft monitoring?
AAA offers two ProtectMyID® products provided by Experian™:
There are two easy ways to enroll. You can either go online to AAA.com or call 1-877-440-6943.
What information do I need to enroll in the service?
Along with your valid AAA membership, you will need to provide your email address, legal name, address, date of birth, and Social Security Number. These are your unique identifiers used by Experian™ to create your credit report(s) and to confirm your identity when you enroll in the Identity Theft Monitoring benefit.
Can more than one person enroll on the same account?
No. Each account is uniquely identified by Social Security Number to provide the most accurate possible monitoring of your identity.
Do I have to have a computer?
No, but you do need a valid email address in order to receive alerts regarding your identity theft monitoring.
Is ProtectMyID® Essential really free?
Yes, ProtectMyID® Essential is included with membership for all AAA members age 18 or older. This is not a trial offer and there are no hidden charges or fees or credit card information required to enroll.
Why should I consider monitoring three credit bureaus instead of one? (Purchase Deluxe vs. Essential)
The information on each of your credit reports can be very different. Experian's 3 Bureau Credit Report includes your Experian™, TransUnion® and Equifax® credit reports. This comprehensive report provides a side-by-side format making it easy to review your credit reports for suspicious activity. Experian™ performs daily scans of your Experian™, Equifax, and TransUnion credit reports for changes, newly opened accounts, delinquencies, credit inquiries, change of address, etc.
What is "Lost Wallet"?
Lost Wallet assistance is an excellent feature that helps cancel and replace your Credit, Charge, Debit, ATM and Medical cards with one phone call if they are lost, stolen or misused. In the event you lose your wallet, you can call our 24-hour Lost Wallet line to report it immediately. During weekday business hours, a dedicated Identity Theft Resolution Agent will help you notify the issuers of your debit, credit and medical insurance cards so you can receive new cards and minimize your risk of fraud. Also, if you find that you have your cards but someone has used your account fraudulently without your authorization, you can call us immediately for assistance.
What is "Internet Scan" about?
This feature conducts daily scans on illegal websites and chat rooms searching for signs that your identity is exposed.
What is "ChildSecure®"?
ChildSecure® helps you monitor your minor children's identities for signs of identity theft by closely monitoring your enrolled children's credit information, and alerting you if someone applies for credit or opens credit accounts using your children's personal information. This product allows you to enroll up to 5 of your minor children for this benefit.
How does "Change of Address Notification" work?
This feature monitors the National Change of Address Databases to notify you if your address has been changed.
How does "Fraud Resolution Support" help me?
Should fraud occur, you will receive support from a dedicated Experian™ fraud resolution agent to help you investigate and resolve fraud.