If you’re an AAA member in California, Hawaii, New Mexico or Texas, you’re suddenly eligible for a free credit monitoring service, provided by Experian.
While I was looking through the fine print (a free service for you provided by ConsumerismCommentary.com), I found this, which gave me pause:
You are receiving a complimentary credit monitoring membership. Your membership is effective for the period disclosed to you when you received your activation code. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you are entitled, you may cancel your membership by calling the toll-free number listed on this Web Site or the toll-free number listed in the welcome materials sent to you. Please be aware that if, at the end of your promotional membership, you decide to continue your membership for a monthly/annual fee, you will have an opportunity to re-enroll at a separate website with different Terms and Conditions.
But the e-mail I got from AAA stated:
This benefit is complimentary to AAA members—there are no hidden fees or charges. You won’t be asked to provide any payment information when you sign up.
There was an offer along the way to see my credit score for $5, but I’m happily using the free CreditKarma service for that.
When it was all done, there was a big button labeled “View Credit Report”, which isn’t the same as “identity theft monitoring”, but for all of our sakes, I clicked it. Thankfully, there was a menu option (all the way at the top, very small font) for “Credit Monitoring”. Here’s what you actually get:
- Daily Monitoring of your Experian Credit Report
- Email Alerts of key changes to your Experian Credit Report
- Dedicated Representatives for Identity Theft Victims
- Experian Credit Report
I love e-mail alerts, so I’ll be keeping this on for a while, and I’ll report back on its usefulness.
Updated August 17, 2016 and originally published September 29, 2009.