ProtectMyID

(3 Reviews)
User Rating
Our Rating

Pros User Friendly | Easy to Use | Free to AAA Members

Cons Limited Plan Options

Protect My ID Review

Available exclusively to members, ProtectMyID is the latest addition to the AAA family. Offering this service through Experian, it promises to provide daily monitoring of your credit reports and alert you to any suspicious activity before helping you to resolve the issue. But how does this new service fare in comparison to its competitors, and is it worth signing up for?

Protect My ID Pros

Free membership for AAA members is a great perk. Taking advantage of the basic Essential plan for free if you are a AAA member gives you a layer of protection no consumer should be without. The higher tier plan for a small monthly fee can help provide that added layer of security and give peace of mind to consumers for a much lower price than competitors.

Protect My ID Cons

Unlike many other security services, ProtectMyID only offers two plan options: ProtectMyID Essential and ProtectMyID Deluxe. The basic package includes $10,000 in Identity Theft Insurance, which is perhaps not as extensive as what its competitors offer in their starter plans. The premium package, however, gives you protection for up to $1 million.

Protect My ID Bottom Line

If you are already a AAA member taking advantage of this membership inclusion is a win-win.  If you are looking to purchase this as a stand-alone identity protection service you might look elsewhere.  ProtectMyID does not provide as much as its competitors in the way of protection. The service doesn’t monitor the same breadth of personal and financial information, nor does it provide any extra features.

Protect My ID Now A Part of Experian

Protect My ID is an identity theft protection service provided by Experian, one of the world’s leading credit reporting agencies. In fact, while Protect My ID still has a website and member area, it appears as though U.S. consumers can no longer sign up for the Protect My ID service – rather, when they attempt to do so they are redirected to Experian’s Identity works product page. However, existing Protect My ID users can still log into their accounts using the Protect My ID site.

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Theft Protection

It is important to understand what identity theft protection is and why you and your family may need it. Identity theft can take many different forms, but in general it entails a two-step process: first, the stealing of personal information (such as a Social Security Number, credit card number, date of birth, etc.) and then the use of that information to conduct a crime, usually of a financial nature, such as opening a bank account in your name, making charges to your credit card without your approval, and so on.

While you may think identity theft can never happen to you, the fact is that 9 million Americans are affected by identity theft every year and that number continues to grow as more of our financial lives move online. Even credit reporting bureaus are not immune to massive security breaches.

Protect My ID Features

Protect My ID (or IdentityWorks) includes a number of different features to protect you against identity theft and to alert you when you may have been the victim of such theft. Its Basic plan includes deep web surveillance, identity theft insurance of up to $500,000, lost wallet assistance, Social Security Number monitoring, address change verification, credit alerts from Experian, and FICO score alerts.

Unfortunately, Protect My ID’s Basic plan is actually rather limited. For one, a good identity theft protection service should check at least three credit bureaus, not just one. Also, the standard identity theft protection insurance offered by most services nowadays is $1 million, not $500,000. While you can upgrade to Protect My ID’s Premium plan and get these features, it is unfortunate that they are not considered standard in their Basic plans.

With the Premium plan, you also get other features not included in the Basic plan, such as payday loan monitoring, social network monitoring, and sex offender registry monitoring. Also, you can add up to 10 of your children to your Protect My ID/IdentityWorks account for an additional charge. While you may not think your children need identity theft protection, in fact many credit cards and fraudulent transaction are a result of fraudsters stealing children’s Social Security Numbers.

Protect My ID Pricing Plans

While Protect My ID’s Basic features may be a bit lackluster, this is somewhat made up for by the fact that it has a very competitive pricing plan. It’s Basic plan, covering just one adult, costs just $9.99 per month and you can save even more if you sign up for annual billing. Premium plans cost $19.99 per month, which is still competitive given the many additional features that are included. If you want to add child identity theft protection, then it will cost an additional $5 per month. Two-adult plans are also available, with a Basic plan at $19.99 and a Premium plan at a more competitive $29.99.

ProtectMyID

Advertising Disclosure: This post contains affiliate links and at no additional cost to you,  Watch the Review will be compensated if you make a purchase after clicking on these links.

How It Works

AAA provides Premier Members with free services through their ProtectMyID program, including $10,000 in identity theft insurance, covering expenses such as lost wages and lawyer fees, in the event of identity theft. Their deluxe package includes $1 million in identity theft insurance. However, a third party, Experian, runs their identity theft protection services. While the service includes fraud alerts, some customers report they were referred to third parties after they were alerted.

If you’re looking to sign up for a ProtectMyId package through the AAA website, the first thing you’ll notice is the popup asking you to input your zip code. This is because the services available differ between areas, so this can get a little confusing, especially if this is your first time signing up for identity theft cover. However, as AAA is such a well-established company,  you can easily just call up your local branch for more detailed information.

Protect My ID Now A Part of Experian

Protect My ID is an identity theft protection service provided by Experian, one of the world’s leading credit reporting agencies. In fact, while Protect My ID still has a website and member area, it appears as though U.S. consumers can no longer sign up for the Protect My ID service – rather, when they attempt to do so they are redirected to Experian’s identityWorks product page. However, existing Protect My ID users can still log into their accounts using the Protect My ID site.

Theft Protection

It is important to understand what identity theft protection is and why you and your family may need it. Identity theft can take many different forms, but in general it entails a two-step process: first, the stealing of personal information (such as a Social Security Number, credit card number, date of birth, etc.) and then the use of that information to conduct a crime, usually of a financial nature, such as opening a bank account in your name, making charges to your credit card without your approval, and so on.

While you may think identity theft can never happen to you, the fact is that 9 million Americans are affected by identity theft every year and that number continues to grow as more of our financial lives move online. Even credit reporting bureaus are not immune to massive security breaches.

Protect My ID Features

Protect My ID (or IdentityWorks) includes a number of different features to protect you against identity theft and to alert you when you may have been the victim of such theft. Its Basic plan includes deep web surveillance, identity theft insurance of up to $500,000, lost wallet assistance, Social Security Number monitoring, address change verification, credit alerts from Experian, and FICO score alerts.

Unfortunately, Protect My ID’s Basic plan is actually rather limited. For one, a good identity theft protection service should check at least three credit bureaus, not just one. Also, the standard identity theft protection insurance offered by most services nowadays is $1 million, not $500,000. While you can upgrade to Protect My ID’s Premium plan and get these features, it is unfortunate that they are not considered standard in their Basic plans.

With the Premium plan, you also get other features not included in the Basic plan, such as payday loan monitoring, social network monitoring, and sex offender registry monitoring. Also, you can add up to 10 of your children to your Protect My ID/IdentityWorks account for an additional charge. While you may not think your children need identity theft protection, in fact many credit cards and fraudulent transaction are a result of fraudsters stealing children’s Social Security Numbers.

Protect My ID Pricing Plans

While Protect My ID’s Basic features may be a bit lackluster, this is somewhat made up for by the fact that it has a very competitive pricing plan. It’s most Basic plan, covering just one adult, costs just $9.99 per month and you can save even more if you sign up for annual billing. Premium plans cost $19.99 per month, which is still competitive given the many additional features that are included. If you want to add child identity theft protection, then it will cost an additional $5 per month. Two-adult plans are also available, with a Basic plan at $19.99 and a Premium plan at a more competitive $29.99.

Protect My ID

Plans & Pricing

Although you may be slightly deterred by the low insurance payout in the ProtectMyID Essential package, it is worth noting that this service is actually entirely free for AAA members. If you’re looking to upgrade to the Deluxe, the monthly fee starts at a very affordable $8.95 and comes with a wealth of benefits that you’d expect to see in an insurance service that specializes in identity theft alone, such as credit checks and internet scans of your personal information. The paid option is still highly discounted in contrast to if you were to buy the package directly through Experian. Even the basic package comes with lost wallet assistance – making this service is an absolutely affordable option.

ProtectMYID Essential:

  • $0.00/month
  • The free service for members includes:
  • daily credit monitoring
  • email and text alerts
  • fraud resolution support
  • lost wallet assistance.

PROTECTMYID Deluxe

  • $8.95 a month
  • The free service for members includes:
  • scans of illegal websites and chat rooms to look for signs of identity theft
  • monitoring of children’s information.
  • Members receive two months free with the annual option.

 

AAA provides this service through a third party, it is actually Experian themselves who handle the customer service. They are clearly experts in the field of security and provide a friendly and efficient service – perfect for when you’re feeling overwhelmed. You can contact them via their call center. The only issue, however, is that they are only reachable during office hours, which can leave you feeling frustrated if you’re alerted to fraudulent activity in the middle of the night!

They have a great FAQ section on their website along with detailed explanations of their services. Representatives on the phone seemed knowledgeable and professional. However, many customers complained that when they contacted AAA about an identity theft issue, they were referred to the third party that operates the services or told to contact the credit bureau directly.

Support hours: Monday-Friday 8 am – 8 pm CDT and Saturday-Sunday 10 am – 7 pm CDT

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Latest Reviews

User Rating

Bee Llih’s Review

Wednesday, July 25, 2018 at 7:04 PM

It’s great for those who need it. I believe I would recommend it to others.

User Rating

Dorene’s Review

Wednesday, July 25, 2018 at 7:38 PM

I like the service I have received and feel protected with Protect My ID

User Rating

Calandra ’s Review

Wednesday, July 25, 2018 at 7:11 PM

Overall I think it would be a good investment because identity theft happens often

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