Identity Theft Monitoring - A free member benefit now with Lost Wallet Protection
Regularly monitoring your credit report is a great first step toward safeguarding your identity, but it isn't enough as identity theft can take on many forms. For a nominal fee of $8.95 a month, get ProtectMyID Deluxe, a product with special features including ChildSecure and Internet Scan. Or choose ProtectMyID Essential. It's free to members (a $79 value). Whichever product you choose, you'll enjoy more of what AAA always brings you: peace of mind.
The chart below provides a comparison of benefits to help you choose the service that best meets your monitoring needs. For questions about potential identity theft, and how to avoid becoming a victim, visit our FAQ section.
| Benefits |
What's included in Our Plans
| ProtectMyID® |
Free For Members
| ProtectMyID® |
|Price||Free with AAA membership||$8.95/month (a 60 percent discount for AAA members) 1|
|Daily Credit Monitoring: Your credit report is monitored daily to detect key changes||Daily monitoring of your Experian ® credit report||Daily monitoring of all three of your credit reports—PLUS Score 2 at sign-up, Experian®, TransUnion®, and Equifax®|
|Email Alerts: Receive email alerts when key changes are detected on your credit report. If no changes are detected, you'll be sent a monthly all-clear email.||Email alerts on your Experian ® credit report||Email alerts on your Experian ®, TransUnion®, and Equifax® credit reports|
|Fraud resolution support: Receive support from a dedicated Fraud Resolution agent to help you investigate and resolve fraud.|
|Identity Theft Insurance: To help reimburse eligible expenses (such as lost wages and lawyer fees) should you become a victim of identity theft.||AAA Premier members receive $10,000 Identity Theft Insurance 3||$1 Million Identity Theft Insurance 1|
|Lost Wallet Assistance: Securely store your credit, debit and medical card numbers in one safe place. If your wallet is lost or stolen, it only takes a single call to a ProtectMyID® agent for assistance in canceling and replacing your cards.|
|Internet scan: Conducts confidential, daily scans on illegal websites and chat rooms searching for signs that your identity is exposed.|
|Change of address notification: Monitors national change of address databases to verify if your address has been changed.|
|ChildSecureSM: Helps protect minor children from identity theft by closely monitoring enrolled children's credit information, and alerting you if someone applies for credit or opens credit accounts using your children's personal information.|
|ENROLL or, call 1-877-440-6943||ENROLL or, call 1-877-440-6943|
| LOGIN Already enrolled in |
ProtectMyID ® Essential?
| LOGIN Already enrolled in |
ProtectMyID ® Deluxe?
1 Pay for the year at once and get 2 months free.
2 Calculated on the PLUS Score® model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn More
3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. Refer to the actual policies for complete terms, conditions and exclusions of coverage.
ProtectMyID Essential and ProtectMyID Deluxe are provided by ConsumerInfo.com, Inc., an Experian company. To be eligible to enroll in either ProtectMyID Essential or ProtectMyID Deluxe, you must be 18 years of age or older and a current valid AAA Member. After you enroll, if for any reason, you decide to cancel your ProtectMyID Essential benefit, you may not re-enroll in this free benefit at a later date. Products subject to change or termination at any time without notice. Certain terms, conditions and restrictions apply. Valid AAA membership required at time of enrollment.
© 2014 AAA
The PLUS Score®, with scores ranging from 330 to 830, is a user-friendly Credit Score model developed by Experian® to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion®, and Equifax® that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer.
Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that's different from the PLUS Score. Just remember that your associated risk level is often the same even if the number is not. For some consumers however, the risk assessment of a PLUS Score could vary, sometimes substantially, from a lender´s score. If the lender's score is lower than your PLUS Score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.