You’re probably aware that many credit card companies provide credit scores to their members for free. And, recently, Discover has begun offering free FICO credit scores from Experian for customers and non-customers alike:
If you’re interested in monitoring not just your credit scores, but credit inquires too (and other info as well), you’ll have to look elsewhere. Of course, you can get your complete credit reports from all three bureaus, for free, once per year from annualcreditreport.com. These reports include details about credit inquiries, open and closed accounts, and much more, but they do not include credit scores. The problem with the annual free reports is that you can only get them once per year and they don’t help if you want to be proactively alerted to changes in your credit report.
Since I regularly sign up for credit cards in order to get signup bonuses, I like to keep track of credit inquiries. Inquiries have a fairly small effect on your actual credit score, but banks are less likely to approve you for new cards if they see many recent inquiries, so they are important. And, unlike most other credit factors, inquiries are credit-bureau specific. When you request new credit, the lender will submit a credit inquiry to one or more of the 3 credit bureaus. If they submit the inquiry to just one bureau, then they will only see inquiries previously made to that bureau. Plus, the new inquiry will show up on only that one bureau’s report.
I previously wrote about ways to monitor inquiries from all three bureaus for free: Monitor credit inquiries for free from all three bureaus. The problem with this is that true monitoring, in which you get alerted to new inquiries in near real time, is only available for free with inquiries made to the TransUnion credit bureau. With Experian and Equifax, you can use free tools to check for new inquiries by logging in each month, but you won’t be automatically notified at the time an inquiry is made.
Free Experian Credit Monitoring
If you have a AAA account and you live in a participating region, you can sign up for free Experian Credit Monitoring. Simply log into your AAA account and look for “Identity Theft Monitoring”. You should be able to find an option to enroll for free.
AAA provides different services to different regions of the country, so I can’t say with 100% confidence that free monitoring is available to you. However, I did check a number of sites, and found free Experian credit monitoring available via ProtectMyID Essential in each of the following locations (note that the links below won’t work correctly if your browser detects that you are in a different location than the one specified):
- Boston (Southern New England)
- Las Vegas
- Mid-Atlantic states
- New York City
- San Francisco
- Southern states
AAA offers different forms of ID protection in at least two states:
- Los Angeles: Free monitoring of all three bureaus via ProtectMyID Deluxe.
- Washington: Automatic ID Theft protection with AAA Premier membership. The website is unclear about whether automatic inquiry alerting is part of the package.
Sadly, I found at least one location in which free identity protection does not appear to be included with membership:
- Buffalo NY (western central NY)
I’ve been a AAA member for decades. I used to use AAA for trip planning, discounts, and occasional roadside assistance needs. Now I use iPhone apps and the internet for virtually all trip planning. I do sometimes benefit from AAA discounts, but not often enough to justify the annual fee. And, some premium credit cards include premium roadside assistance which could be used instead of AAA (this should not be confused with regular roadside assistance available with many credit cards which simply helps you find a tow truck but doesn’t pay for it).
Since my reliance on AAA has dwindled in recent years to nearly nothing, I’ve thought about giving up my membership but I’ve kept it “just in case”. Now, I’m happy I did. Experian credit monitoring isn’t worth a huge amount to me, but it is worth something – certainly enough to tip the balance firmly towards keeping my membership. And, that’s one less thing for me to worry about each year. It’s probably not the “peace of mind” that AAA was thinking of when they added this benefit, but it’ll do for me!
[…] ProtectMyID via AAA membership (Available to most, but not all AAA areas) […]
I live in AK.Am I covered?
The best way to check is to log into your AAA.com account and look in the Membership menu for something like “ID Theft Monitoring”
[…] As I’ve reported before, AAA offers free credit protection services to many members. Details vary by location. Some AAA members get nothing, but most can sign up for ProtectMyID Essential for free. Some members (such as those in some areas within California) get ProtectMyID Deluxe for free. Here’s a chart showing what’s covered (image taken from AAA Michigan website. Details may vary): […]
[…] recently wrote about an opportunity for most AAA customers to get free Experian credit monitoring. Now, it turns out that you don’t even need AAA. You just need a smart phone or […]
Just as a reminder Greg, you can NOT put a price on safety and peace of mind. Otherwise, you should cancel you car insurance if it wasnt legally required since youre such a safe driver and you fly all the time right? Matter of fact, Michigan min req policy only demands Bodily Injury: $20,000 per person / $40,000 per accident and property damage liability: $10,000 per accident. Thats nothing. A bad accident will ruin you with such a small policy.
AAA specializes in roadside assistance. No CC ancillary policy can replace that. It only takes ONE time to show you what AAA can do. I only hope you never have to use AAA for something major. I had already learned my lesson just from one incident: Mom’s car broke down late at night 100 miles away in the middle of no where in another state. My plan includes one tow up to 200 miles. She got home safe. No additional cost. That already made it worth it. Done deal.
Darn! Carolina’s doesn’t even offer credit monitoring.
Yep. I just called them and confirmed no offer. Only a discount on Life Lock (15%.)
Which cards offer premium roadside assistance?
From Amex, I believe the following cards have premium roadside assistance:
-Platinum (including co-branded versions other than Delta Platinum)
-Premier Rewards Gold
I’m not sure which other banks (if any) offer a similar service. Most cards offer “dispatch service” which just means that they’ll do the work of finding a tow-truck or whatever for you, but they won’t pay for it.
No Cal, Nevada and Utah: free ProtectMyID Essential. Thanks!
Add Arizona to the free Essential list! Thanks!
Looks like AAA for me here in Los Angeles only offers “essential” for free and “deluxe” for a discounted rate.
This is the service that companies give to save face after a security breach. Surprised one hasn’t happened to you. T-Mobile??
I personally don’t support AAA because of their destructive politics.
Since folks in this hobby often apply for credit, it worth remembering that one can get a free credit report after every “adverse outcome”. That really translates to “after every hard pull”, since the credit bureaus don’t know the outcomes.