AAA membership includes FREE ID Theft Monitoring backed by Experian™


Frequently Asked Questions

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?

  • Credit card fraud: Identity thieves open credit card accounts in your name and don't 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 your address 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 pin a crime on you.

What are ways I can protect myself and my family?

Below is a quick identity theft protection checklist to safeguard one's 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 phishing 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 or cell phone.

  • 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.

What products does AAA offer for identity theft monitoring?

AAA offers two ProtectMyID® products provided by Experian™:

  • ProtectMyID® Essential, included with any AAA membership and available online at or by calling 1-877-440-6943.

  • ProtectMyID® Deluxe, (DISCOUNTED MEMBER RATE of $8.95 per month or $89 annually) and available online at or by calling 1-877-440-6943.

    How do I sign up for a ProtectMyID® product?

There are two easy ways to enroll. You can either go online to 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.