Millions of Americans now have to keep an eye on their credit because of the massive data breach at Target. But with so many emails coming to you, how do you know what to do to keep from being victimized again?
Scam artists are trying to take advantage. So we’re here to walk you through the correct process.
The first step to take advantage of the credit monitoring offer is to go to https://creditmonitoring.target.com. The website will ask for your name and email address.
After entering your information, Target says you will receive an email with an activation code within 72 hours.
The email will come from email@example.com. It contains the activation code, plus a link and instructions on how to sign up.
When you click on the link it takes you to a website run by Experian, at the address protectmyid.com.
Experian is well-known company that will sell you credit reports, your credit score, or identity-theft protection. The service being offered for one year for free though this partnership with Target would normally cost you $160 per year.
After entering the activation code on the Experian website, you will need to enter your social security number and some other personal information to sign up for the service. This should look familiar to you if you’ve ever ordered a credit report online.
Finally, you will know you did everything correctly when you receive a confirmation email from Experian with the subject line: “Your Identity is Now Protected by ProtectmyID.
According to Target, the service gives you a free copy of your credit report, alerts for one year if there are changes to your credit report, identity-theft insurance, and access to an agent in the event your identity is stolen.
News 4 has been hearing from several viewers who say they started the process, but never received the activation code. When specifically asked about this problem, their representative said to first check your email spam folder, and if it’s not there call guest relations at 1-866-852-8680.