Identity theft protection
Identity theft occurs when someone uses your personal identifying information, without your authorization, in order to perpetrate fraud or other offenses, such as obtaining loans, services or credit. Experian's identity theft protection product can help catch identity theft and fraud when it happens and help you regain your good name and credit.
Sign up for ProtectMyID® for $15.95 /month
Monitor your identity nowProduct features:
3-bureau credit monitoring
Daily monitoring of your Experian, Equifax®, and TransUnion® Credit Reports with alerts
With over 50 indicators that can signal the possibility of identity theft on three separate reports, the average person does not have the time or resources to check each report every day. With ProtectMyID, we check your Credit Report at the three main credit reporting agencies and warn you of key changes
Internet scanning
Receive alerts if your Social Security, debit or credit card numbers are exposed online
ProtectMyID continually monitors a vast number of online sources where compromised credit and debit card numbers, Social Security numbers and other personal data is found, traded or sold, helping reduce your potential exposure to identity theft.
Address monitoring
Receive alerts if a change of address is requested at the post office or posts to your Credit Report
An identity thief may steal a single piece of your mail or all of it with a fraudulent change of address request at the post office. Every day, we look for the red flags. We monitor address changes at the national and Credit Report levels and help you resolve any issues.
Identity Theft Resolution
Get a dedicated Experian Identity Theft Resolution Agent if your identity is stolen
You'll work with the same highly trained agent from start to finish to speed you toward recovery. Someone who will help contact the proper authorities, assist with paperwork and take other vital steps. Otherwise, you could spend hours attempting to resolve identity fraud by yourself.
Identity theft resources
Steps to take after your wallet is stolen
Contact creditors and notify them of any lost cards, notify law enforcement to file a police report, and add an initial security alert to your Credit Report.
What to do if you lose your Social Security card
Any time you lose sensitive personal information such as your Social Security card, it is a good idea to request an initial security alert and request a free Credit Report.
Credit monitoring and fraud protection
Checking your credit information frequently can be beneficial by helping you to keep an eye on your report and enabling you to detect possible identity fraud sooner.
Identity theft basics
What is identity theft and credit fraud?
Identity theft is the unauthorized use of personal identifying information, without your authorization, in order to perpetrate credit card fraud or other offenses, such as obtaining new loans, services or credit cards in your name. Credit fraud is a broad term for the use of a credit card (or any comparable type of credit) to buy goods or services with the intention of evading payment.
What is a fraud alert and a security freeze?
Fraud alerts notify potential credit grantors to verity your identification before extending credit in your name in case someone is using your information without your consent. A security freeze is designed to prevent credit, loans and services from being approved in your name without your consent but may also delay or interfere with or prohibit the timely approval of any subsequent requests or application you make regarding new credit, loans or services.
What to look for on your Credit Report for signs of identity theft:
In most cases, fraudulent activity can be detected by reviewing the account, hard inquiries and addresses that appear on a Credit Report.
- Accounts: If you do not recognize an account and the account is newly opened, that may indicate that a criminal has obtained a line of credit using your identity.
- Hard inquiries: Review all the hard inquiries from creditors that have accessed your Credit Report to process an application for credit. If you do not recognize the credit grantor accessing your report, that may indicate fraudulent activity.
- Addresses: Review the addresses appearing on your Credit Report. If you discover an address that you have not lived at, it may indicate that the address was used on a fraudulent application for credit.