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1-Year Credit Monitoring EXPIRED

SUCHaDEAL 45,660 January 13, 2014 at 06:47 AM in Finance (4) More Target Deals
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Promoted 01-14-2014 at 09:01 PM View Original Post
Target.com is offering 1-Year Credit Monitoring for Free. An activation code will be sent to you after signup. Thanks SUCHaDEAL

Note, more information can be found here.


Original Post

Edited January 13, 2014 at 07:31 AM by kel_be
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wherever there's a slickdeal! Joined Jul 2006 MISTERCHEAPs TWIN BROTHER
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Last Edited by jwheeler January 24, 2014 at 10:08 AM
May not work well from mobile phone, worked fine from laptop and TYPE activation code instead of pasting it.

What if theft occurs after one year?

Difference between this and Credit Karma: This will give you access to an identity theft resolution agent AND insurance for such things as unauthorized EFTs. CK is only monitoring.


This credit monitoring FAQ link [target.com] gives more answers to any questions you may have about this offer.
Quote :
Guests will have until April 23, 2014 to request a code and until April 30, 2014 to register their code with Experian.
Who is eligible for free credit monitoring?
All Target guests who shopped in U.S. stores can take advantage of one-year of free credit monitoring.

How do I sign up for free credit monitoring?
Request an activation code by entering your name and your email address on a Target website: creditmonitoring.target.com.

Within 1 to 5 days, you will receive an email from Target with your unique activation code and instructions on next steps. After you receive your activation code, visit www.protectmyid.com/target to register for one year of free credit monitoring. You must sign up before April 30, 2014.

What is ProtectMyID?
ProtectMyID is a credit monitoring and identity theft protection product offered by Experian, a leading global information services company.

What is offered as part of the credit monitoring/ProtectMyID?
The one year of free monitoring membership to ProtectMyID includes:
  • Credit Report: You will get a free copy of their Experian credit report. If you enroll online, your report will be available online. Online credit reports are available for 30 days.
  • Daily Credit Monitoring: You will receive alerts for one year that reflect changes to your Experian credit report during your membership term. This includes new inquiries, newly opened accounts, new derogatory information (such as delinquencies or medical collections) and more.
  • Identity Theft Resolution: If confirmed that you have been the victim of identity theft, you will be assigned a dedicated, U.S.-based Experian Fraud Resolution Agent who will walk you through the fraud resolution process—and remain available to answer questions—from start to finish.
  • Identity Theft Insurance: If you have been a victim of identity theft relating to this incident, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.
  • ProtectMyID ExtendCARE: Access to personalized assistance from a highly-trained Fraud Resolution Agent will continue even after the initial one year ProtectMyID membership expires.
Will I get a credit score as part of the free offering?
Credit scores will not be offered to guests who sign up for the free year of credit monitoring. You do not need a credit score to receive the benefits of credit monitoring.



This website show you how to get free credit score

http://www.mymoneyblog.com/five-h...-free.html
  • - Credit Sesame and Quizzle let you access your Experian credit score absolutely free. Quizzle don't even need your SSN. (just tried on 1/24 and they asked me for my soc sec #)
    http://www.creditsesame.com/ (Credit Sesame uses Experian's National Equivalency Score with a range of 360 to 840. The credit score you receive for free is Experian’s National Equivalency Score, which isn’t an actual FICO score that many lending institutions use.)
    New: You can also opt-in to free daily credit monitoring of your Experian credit data at Credit Sesame.
    http://www.quizzle.com/ (Quizzle offers what's called a CE credit score that's based on your credit report from Experian with a range of 350 to 850. )
  • - Credit Karma give you access to your TransUnion credit score for free without credit card and with no hidden costs or obligations. (Credit Karma provides a TransRisk score, which is based on your TransUnion report and has a range of 300 to 850.)
    You can also opt-in to free daily credit monitoring of your TransUnion credit data at Credit Karma.
  • - There is current no free option to obtain your Equifax score. Equifax Credit Score Card is no longer available. However, if you sign up for a free 10-day trial at MyFICO.com, you’ll get a free Equifax credit report and Equifax FICO credit score.


http://money.msn.com/saving-money...8e&_nwpt=1
Example of what different number you may get from different sources
Official credit scores
My credit scores obtained for the refinances varied, but not by a lot.
Equifax FICO score: 757.
TransUnion FICO score: 750.

These scores were pulled about two weeks apart, so that could explain the difference. They were taken from two different credit-reporting agencies, which could also explain the difference.

I pulled my FICO scores via myFICO from both TransUnion and Equifax on the same day. The results were off by just four points.
TransUnion: 745.
Equifax: 741.

As you can see, however, both scores varied from the scores the mortgage companies had. One might ask if a difference of 10 to 20 points really matters. The short answer is absolutely. As you'll see in my article on what credit score you need to buy a home, the interest rate you'll get can vary significantly between a score of, say, 750 and 760. Rates don't change every 10 points, but if you go below certain thresholds, the rates can rise.

My FAKO scores

My FAKO scores were all higher than the official scores used by the lenders during my refinancing binge.

Quizzle: 786. Quizzle offers what's called a CE credit score that's based on your credit report from Experian with a range of 350 to 850.
Credit Sesame: 773. Credit Sesame uses Experian's National Equivalency Score with a range of 360 to 840.
Credit Karma: 760. Credit Karma provides a TransRisk score, which is based on your TransUnion report and has a range of 300 to 850.

So, out of the three FAKO scores, Credit Karma came the closest to the FICO scores used for my refinancing. What's interesting for our purposes is that my Credit Karma score was closer to the actual score used by the mortgage lender than my FICO scores from myFICO.




----------------------------

Things about credit score...
http://www.doughroller.net/credit...it-scores/

Custom vs. Industry vs. Educational Formulas: If things weren’t complicated enough, there are also different formulas for certain industries (auto loans and mortgages, for example). Some lenders have developed their own custom formulas that are a well-guarded secret. And there are what are called educational scores that are sold to consumers to give them an idea of where they stand.



FICO Credit Scores
FICO developed the first credit scores in the 1950s, and today the FICO score comes in many favor....
....
The key here is that even if you purchase your FICO score, it likely won’t be the same number a bank or other lender would see, even if they too are using FICO scores!

CRA Scores

Each of the the three national CRAs has developed its own scoring models:

Equifax: “Equifax Credit Score” with a range of 280-850.
Experian: “Experian Plus Score” with a range of 330-830.
TransUnion: “TransRisk New Account Score” with a range of 300-850.

And if that weren’t enough, each of the CRAs develop custom scores for clients.

VantageScore

Some time ago the three CRAs got together and decided to develop a joint score. Because they each must pay FICO a license fee to use its scoring model, they were hoping to push FICO off the gravy train. The results have been mixed, at best. One advantage, however, is that unlike a FICO score, the VantageScore uses the same formula at each of the CRAs.
---------------------

For those wondering, this is free daily proactive credit monitoring. In the past, Credit Karma allowed users to pull their scores daily. This new service will monitor it nightly for significant changes. If one is detected, the service will send you an email. The following changes are triggers:
  • New Credit Inquiries
  • New Credit Accounts
  • Delinquent Payments
  • Improved Payment History
  • New Public Records
  • Updates to Personal Information

===============================================================================================

Independent reviews of ProtectMyID credit monitoring service:
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This post can be edited by most users to provide up-to-date information about developments of this thread based on user responses, and user findings. Feel free to add, change or remove information shown here as it becomes available. This includes new coupons, rebates, ideas, thread summary, and similar items.

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519 Comments

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#4
What makes this different from just using credit karma?
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MISTERCHEAPs TWIN BROTHER
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#5
Quote from Eagles89 View Post :
What makes this different from just using credit karma?
nmind
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#6
yep this will help the hackers with more info about the rest of the customers who have not been compromised!

Thanks for posting OP, but my point is about target and not the deal!
Reply Helpful Comment? 0 0
#7
I signed up lol. Target provides code. Experience gives report. Thanks OP
Reply Helpful Comment? 0 0
#8
Quote from Eagles89 View Post :
What makes this different from just using credit karma?

Just remember one thing in threads created by "Suchadeal" - even if the deal is very bad or the merchant has bad reputation you should not comment about it, the OP thinks anything we say is against him, he is so mature...
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L10: Grand Master
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#9
Quote from Eagles89 View Post :
What makes this different from just using credit karma?
Why not it is being offered free for those who were affected by the cc info theft....
Thx OP, TU, repped and shared, I had heard about this on TV and the internet, thankfully I wasn't one of those affected, we do not have a Target near us....shared with dd's to be sure they are aware of this offer! Smilie
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#10
Quote from deedz2 View Post :
Why not it is being offered free for those who were affected by the cc info theft....
Target is offering something that you can already get for free. I don't see the point.
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MISTERCHEAPs TWIN BROTHER
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#11
Quote from slmrm View Post :
Just remember one thing in threads created by "Suchadeal" - even if the deal is very bad or the merchant has bad reputation you should not comment about it, the OP thinks anything we say is against him, he is so mature...
Not true,

I respond to comments that are posted for the sake of posting them, that misinform or are totally incorrect.

If you already have Credit Karma and don't need or want this, why are you in the thread crapping about the deal?

This is free too...it's just as good as Credit Karma, there's nothing to poo-poo. If you don't want it..then fine, move along, but don't slam it when there is nothing wrong with it if someone else is interested.
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L10: Grand Master
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#12
Quote from Eagles89 View Post :
Target is offering something that you can already get for free. I don't see the point.
Heck, I would rather have 2 sets of sources watching out for me, the more the better! For Free! Wink
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#13
Quote from Eagles89 View Post :
What makes this different from just using credit karma?
Quote from SUCHaDEAL View Post :
who cares? if you don't need it, don't sign up.
Credit karma uses Transunion, this is Experian. Different credit bureaus.
Reply Helpful Comment? 0 0
#14
Quote from SUCHaDEAL View Post :
Not true,

I respond to comments that are posted for the sake of posting them, that misinform or are totally incorrect.

If you already have Credit Karma and don't need or want this, why are you in the thread crapping about the deal?

This is free too...it's just as good as Credit Karma, there's nothing to poo-poo. If you don't want it..then fine, move along, but don't slam it when there is nothing wrong with it if someone else is interested.

I appreciate you for posting and spending your time for all these threads. But don't take this personally. He was just giving some alternatives for comparison reason, IMO!
Reply Helpful Comment? 0 0
MISTERCHEAPs TWIN BROTHER
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#15
Quote from slmrm View Post :
I appreciate you for posting and spending your time for all these threads. But don't take this personally. He was just giving some alternatives for comparison reason, IMO!

Oh that is fine...didn't take it personally.
Reply Helpful Comment? 0 0
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