Identity theft is all over the news lately. Major retailers, such as Target, Jimmy Johns Sandwiches, Home Depot, and many more have reported breeches. Doesn’t build much confidence that your information is safe. Fortunately, there is good news, and another reason why buying an American Automobile Association (AAA) membership is worth it, even if you don’t have a car.
This past week, I received an email from them announcing that they have partnered with ProtectyID, an Experian credit monitoring and identity protection service. This $79 value, free for AAA customers, comes with excellent basic credit monitoring features, such as daily credit monitoring, lost wallet assistance, and identity theft insurance ($10k). If you want to see your credit score, and receive additional theft insurance, that costs ~ $9/month. I am not sure if it’s worth it. But, if you are such a high roller that you need $1m in identity insurance, then you probably aren’t a reader of my blog :).
Check for identity theft and get free credit scores
Since the free identity protection service doesn’t provide you with a credit score, you will either have to pay for it separately, or you can dial up your Free Credit Report. Now, be careful here. We probably have seen a ton of free credit report commercials, but they are not “free.” The only no-cost, truly free credit report that the credit agencies are obligated by Federal law to provide you annually is at the link above. You can pull your credit report from the three bureaus in one shot, but you might want to stagger them instead. That way, you can get your credit score every four months. For example, in January, pull your Transunion report. In May, pull your Equifax one, etc. That way, if there’s a drop in your credit score, or potential identity theft, you can adjust as necessary that much sooner.