If you enrolled to receive a free four-year membership to Experian IdentityWorksSM identity protection as a part of the Equifax Settlement, you must follow the steps listed below to activate your membership. This comprehensive product includes credit monitoring from all three bureaus, access to your Experian credit report, Internet Surveillance, with up to $1 million in identity theft insurance.* Additionally, as part of the Equifax Settlement, you are eligible to receive complimentary Identity Restoration services.
You should have received an e-mail or letter from the court-appointed settlement administrator if you signed up for this settlement benefit. Click “Get Started” and use the activation code provided to you to initiate your membership. If you’re an existing member, log in now. If you can’t find your code or have questions, contact the settlement administrator.
You do not have to provide payment information for this service, and you will never be charged for this service.
Your Membership Includes:
Credit and Identity Monitoring
Daily credit monitoring makes you aware of changes to your credit report across the three major credit reporting bureaus: TransUnion, Experian, and Equifax. You’ll also receive automated alerts for other events, like when new accounts are opened, inquiries or requests are made for your credit report, your address is changed, or negative information (such as delinquencies or bankruptcies) are reported about your credit.
Your credit reports include your credit history and information, such as accounts in delinquency or new accounts opened.
Helps you stay aware of your credit history with easy access to your Experian credit report.
Monitors the depths of the web to identify activity associated with your identity. If a match with your personal data is found, we will notify you promptly.
Internet Surveillance monitors thousands of websites and millions of data points using a variety of data gathering techniques — including chat room monitoring, spidering/crawling/scraping, and forum extraction. We’ll notify you immediately if any exposure of your personal data is found.
For example, you will be notified when your information is found on suspicious websites or the “dark web”; when names, aliases, and addresses have been associated with your Social Security Number; when a payday loan or unsecured credit has been taken or opened using your Social Security Number; when your information matches information in arrest or criminal court records; when your information is used for identity authentication; when your mail has been redirected through the U.S. Postal Service; when banking activity is detected related to new deposit account applications, changes to your personal information, and new signers are added to accounts; and when a balance is reported on your credit line that has been inactive for at least six months.
Support
We provide Identity Restoration in the event of identity theft. Even if you simply suspect a problem, a certified Identity Restoration specialist will work with you to identify and resolve the issue.
In the event your identity is stolen — or even if you suspect it may have been stolen — you’ll work with an Identity Restoration specialist who will provide step-by-step assistance and form letters to contact companies, government agencies, and Consumer Reporting Agencies, and participate in conference calls with financial institutions related to the fraud or identity theft. Certified professionals provide robust case knowledge in both credit and non-credit restoration.
Anyone who was impacted by the Equifax data breach is eligible for this service, regardless of whether you sign up for Experian IdentityWorks membership.
For assistance with identity restoration, visit the Equifax Settlement Website at https://eligibility.equifaxbreachsettlement.com/en/eligibility
In the event that your identity is compromised, Identity Theft Insurance* provided under policies issued to Experian IdentityWorks reimburses you for certain expenses with up to a $1 million policy.
*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.
Terms and Conditions | Privacy Policy
You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.