Identity Protection

ProtectMyID® Essential is FREE with Membership.

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Enroll today and let ProtectMyID start working for you.

Identity theft is scary and stressful, but protecting yourself shouldn't be. That’s why AAA Members get Experian's ProtectMyID Essential plan FREE with Membership. ProtectMyID services help you stay safer online by reducing your risk of fraud before something happens. And if something does happen, a trained team is standing by to help you fix it.

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Did You Know?

In 2023, the Federal Trade Commission (FTC) received over 1 million reports of identity theft, making it one of the most common types of consumer complaints.

Why wait? Get started in 3 easy steps.

Select your plan.
Enroll on Experian's ProtectMyID website or call 877-440-6943.
Log in to your ProtectMyID account to see all of the ways ProtectMyID works for you.

Identity Protection Plans

The Essential plan is FREE with Membership. AAA Premier Members save 10 percent on Deluxe and Complete plans.

Essential plan. Included with AAA Membership

Includes free identity protection features, such as:

Credit monitoring from Experian®
Experian® credit report (upon enrollment)
Dark web surveillance (SSN & email address monitoring only)
Text message alerts
Identity Health Score¹
Identity Health Score Action Planner
Online Exposure Scan
Up to $10,000 in identity theft insurance² (AAA Premier Members only)
Lost wallet protection
Fraud resolution support

All features of ProtectMyID Essential, plus:

Credit monitoring from Experian, Equifax®, and TransUnion®
Social Security number monitoring
VantageScore®⁴
VantageScore® Tracker⁴
Score variance alerts
Real-time identity alerts
Expanded dark web surveillance
Bank account & credit card takeovers
Change of address alerts
Up to $1 million in identity theft insurance²

All features of ProtectMyID Essential and Deluxe, plus:

VantageScore® Simulator⁴
Experian CreditLock⁵
Secure Wi-Fi (VPN)
Online Exposure Scan Removal Assistance
Child identity monitoring⁶
Dormant credit card monitoring
Credit limit & usage alerts
Social media monitoring
Alternative loan monitoring
Sex offender monitoring
Positive credit activity alerts

Enroll on the Experian ProtectMyID Website

Select your plan

Call 1-877-440-6943

Here’s how ProtectMyID works for you:

Reduce Your Risk

Get a personalized plan to help keep your information safe.

Detect Problems Early

24/7 monitoring services can alert you to potentially fraudulent activity.

Resolve Issues Quickly

Fraud resolution support is standing by to assist if you need it.

Identity Protection Articles

Frequently Asked Questions: Identity Theft

What is identity theft?

Why should I be concerned about protecting my identity?

What are the warning signs of identity theft?

Be aware of these warning signs indicating that someone might have stolen your personal information:

You aren’t receiving household bills and other mail.
You see withdrawals from your bank account that you don’t recognize.
You notice unfamiliar charges on your credit card statements.
You are receiving bills for purchases you didn’t make.
A company you do business with—such as your bank or an online retailer—sends you a notice that a data breach has compromised your personal data.
When you apply for credit or a loan, your application is denied despite having a strong credit history.
Your credit score unexpectedly drops.
Your tax return has been declined, or the IRS tells you that more than one tax return was filed in your name.
You file a medical claim and your health care provider rejects it because you’ve mysteriously reached your plan’s limit.

How do I minimize the risk of ID theft?

To lower your risk of identity theft:

Share your personal information as little as possible.
Create strong passwords.
Use two-factor authentication when available.
Only sign on to secure Wi-Fi networks.
Update your social media settings to “private.”
Set up credit card and financial alerts.
Track your credit score.

AAA Members get a free online exposure scan to discover if your personal information is on public websites so you can request removal. Upgrade to the Complete plan to get removal services that continuously monitor websites where your information is exposed and help you easily remove it. AAA Members also have access to a free Identity Health Score¹ + Action Planner, which offers a personalized, prioritized plan to help you improve your identity health.

What should I do if my identity is stolen?

If you become the victim of identity theft, review your credit reports and place a security freeze on them. A credit freeze restricts access to your credit report so other people can’t open a new credit account in your name. You should also report the theft to the Federal Trade Commission.

If you have an identity protection plan that includes restoration services (like ProtectMyID), contact the service provider immediately for step-by-step assistance.

To begin recovering from theft, change your account passwords, make a list of the fraudulent transactions, and contact any creditors and key agencies.

If you were previously enrolled in AAA Identity Champion, click here for information about the transition of your account to ProtectMyID.

¹The Identity Health Score is different than a credit score and has no impact on your credit score.

²Identity theft insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the summary of benefits: $10,000 insurance and $1,000,000 insurance.

³Plus sales tax where applicable.

⁴Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Click here to learn more about this.

⁵Experian CreditLock is a separate service from Security Freeze. This feature controls access to your Experian credit file and will not apply to your TransUnion or Equifax credit files.

⁶Child monitoring includes up to 10 children under the age of 18. One-time Parent/Legal Guardian verification may be required.

All ProtectMyID plans are provided by Experian. You must be 18 years of age or older and a current AAA Member to be eligible to enroll in ProtectMyID. A valid email address and access to the internet is required. Products subject to change or terminate at any time without notice. Certain terms, conditions, and restrictions apply. Please refer to actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.