Frequently Asked Questions—Identity Theft Monitoring
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.
With Identity Theft monitoring protection, 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. You may think that identity theft could never happen to you, but you could be 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 protection products give you the tools you need to help minimize the damage of this shocking experience.
The following are types of identity theft:
- Credit card fraud: Identity thieves open credit card accounts in your name and not pay the bills, which ultimately damages your credit score.
- Utility fraud: Thieves secure free cable television, electricity, gas, or long distance phones calls by giving billing companies bogus addresses and, of course, never pay the bills. Generally, utility bills are not included on a credit report until they have been turned over for collections, at which time the late bill causes your credit score to plunge.
- Bank account fraud: Identity thieves open bank accounts and apply for loans in your name.
- Medical identity theft: Occurs when identity thieves use your information to obtain medical services or goods.
- Criminal record theft: Identity thieves use your SSN to apply for driver’s licenses or state-issued identification cards. If a criminal is arrested and uses a license or identification card in your name, he can use your identification card to pin a crime on you.
Below is a quick identity theft protection checklist to help safeguard your identity:
- Never carry your Social Security number, birth certificate or passport unless you need them
- Shred all documents that contain sensitive information, expired credit cards and driver’s licenses
- Check your credit report quarterly
- Be wary of phasing scammers who attempt to steal your personal information online or over the phone by posing as a business you know
- Never open emails or click on links from unknown sources that may trigger a virus to download to your computer
- When traveling, ask the post office to place a hold on all mail
- In public places, be aware of people who may be eavesdropping or looking over your shoulder at your laptop screen
- Regularly check to ensure a credit report has not been filed in your child’s name. Since children aren’t making financial transactions, they shouldn’t have credit reports
- Carefully review every medical statement for possible signs that someone else may be using your medical benefits
- You can enroll in ProtectMyID® Essential, (FREE FOR MEMBERS) online or by calling 1-877-440-6943.
- You can sign up for ProtectMyID® Deluxe, (DISCOUNTED MEMBER RATE of $8.95) online at AAA.com or by calling 1-877-440-6943.
Yes, ProtectMyID® Essential is really free for each AAA member age 18 or older. No hidden charges or fees. This is not a trial offer and your credit card information is not required to enroll.
Your Social Security Number (SSN) is your unique identifier used by Experian® to create your credit report(s) and to confirm your identity when you call about your Identity Theft Monitoring benefit.
Any AAA Member 18 years or older may enroll in either ProtectMyID® product. That includes you, your spouse and any other household AAA members 18 years or older.
No, there will be no changes to your current service. You can continue to use the product as you have always done. You may want to consider enrolling in the new product known as ProtectMyID® Essential as it offers an additional feature known as “Lost Wallet”.
Lost Wallet and Card Protection is an excellent feature of our new product that protects your Credit, Charge, Debit, ATM and Medical cards in the event that they are lost, stolen or misused. You also have the option to register your cards with us so that you have them recorded in case you physically lose your wallet or purse. In the event you lose your wallet, you can call our 24-hour Lost Wallet line to report the issue 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.
No, there will be no changes to your current service. You can continue to use the product as you have always done. You may want to consider enrolling in the new product known as ProtectMyID® Deluxe as it offers additional features known as “ChildSecure” and you receive a free credit report with credit score with sign up.
You can enroll in the free ID theft product (ProtectMyID®Essential) online, but be advised that you will lose some of the enhanced features of your current service: . You will no longer have up to $1 Million of Identity Theft Insurance and only one (vs. three) credit bureaus will be monitored each month.
ProtectMyID® Deluxe, (discounted member rate of $8.95).
It includes the old PMID benefits plus additional benefits:
- An Experian Credit Report and score at sign up and
- Internet Scan
ChildSecure helps you monitor your minor children 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. One low price allows you to enroll up to 5 of your minor children. You may enroll up to 5 of your minor children for the same low price.
This feature conducts daily scans on illegal websites and chat rooms searching for signs that your identity is exposed.