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Begin your complimentary Experian IdentityWorksSM membership today.
Enter your activation code to sign up now.
You may be eligible to redeem a membership to Experian IdentityWorks℠ FamilySecure identity protection at no cost to you. This comprehensive product includes Experian credit report and monitoring, Experian VantageScore®* updates, minor identity monitoring, identity theft insurance**, and full service identity restoration.
If you’re eligible, click “Get Started” and use the activation code provided to you to initiate your membership. If you’re an existing member, log in now.
Your Membership Includes:
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Credit Monitoring
Makes you aware of changes to your Experian, Equifax and TransUnion credit report so you can take action if needed.
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Daily Credit Reports
Helps you stay aware of your credit history with easy access to your Experian credit report.
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Monthly VantageScore Updates
Helps you stay aware of your your Experian VantageScore month-after-month.
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Minor Identity Monitoring
Reports on all known addresses and aliases associated with your child’s Social Security Number, and monitors the web and alerts you if your child’s personal information is being bought or sold online.
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Identity Restoration
We provide full-service Identity Restoration in the event of identity theft. Even if you simply suspect a problem, an Identity Restoration specialist will work with you to identify and resolve the issue.
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Identity Theft Insurance**
In the event that your identity is compromised, Identity Theft Insurance** provided under policies issued to Experian IdentityWorks reimburses you for certain expenses up to $1M.
*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). 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.
*VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you’ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes.