COLUMBIA, SC (AP/WIS) - Experian is notifying South Carolina parents they can begin signing up to have their children's credit monitored.
The program is part of the state's response to the hacking of millions of taxpayers' personal data. The theft included the Social Security numbers of 1.9 million dependents on parents' tax returns.
Gov. Nikki Haley announced Friday the availability of Experian's Family Security service, free to parents. It's covered by the state's $12 million contract with the company.
Many children under 18 don't have a credit history, particularly pre-teens. The parent who signs up will be alerted if a credit file pops up in a child's name. If a file exists, the service will monitor for suspicious activity.
A parent must first enroll in Experian's ProtectMyID service. That's been available since Oct. 26.
Haley reiterated that anyone who has filed a South Carolina tax return since
1998 should take the following steps:
-
Call Experian at 1-866-578-5422 to enroll in a
consumer protection service. (The call center is open 9:00 AM – 9:00 PM EST on
Monday through Friday and 11:00 AM – 8:00 PM EST on Saturday and Sunday.)
-
For any South Carolina taxpayer who wishes to bypass the telephone option,
there currently is an online service available at http://www.protectmyid.com/scdor. Enter the code SCDOR123 when
prompted. South Carolina taxpayers have until the end of January, 2013 to sign
up.
Free
one-year Family Secure plan includes:
- Regular monthly monitoring of Experian information for every
child on the account
- Protection against material damages that may occur to a child due
to misuse of their credit file
- If no credit file exists, Experian monitors children's personal
information for the creation of one
- Alerts the parent/guardian to important activity such as credit
inquiries, public records, delinquencies, negative information (e.g., liens,
civil judgments, bankruptcies, and new accounts ) to a minor's credit history
- Activity is detected based on the minor's SSN, date of birth, name
or address or any combination of that data, utilizing Experian's proprietary
credit file matching logic
- Once activity is detected, the parent/guardian can work with a
dedicated Experian Fraud Resolution representative on the best course of
action
- Monthly "No Hit" Alerts if no credit activity is detected in a
month
- Comprehensive fraud resolution service – dedicated professionals
to manage your case and help members recover from identify theft quickly and
efficiently
- Daily monitoring of primary parent's credit report and early
warning alerts if credit report changes are detected
- Unlimited Experian credit reports and scores
- Experian credit score illustrator to show monthly score tending
and analysis
- $2,000,000 product guarantee
Dun &
Bradstreet Credibility Corp offers South Carolina businesses that have filed a
tax return since 1998 a CreditAlert product that will alert customers to
changes taking place in their business credit file. Even something as simple as
a change to a business address or a company officer change would set off an
alert to the business owner. The cost will be waived for business filing tax
returns since 1998. Business owners can visit http://www.dandb.com/sc/ or they can call customer service
toll free at this dedicated phone number 1-800-279-9881.
Experian is offering those impacted South
Carolina businesses Business Credit AdvantageSM - a self-monitoring
service that allows access to a company's business credit report and score.
South Carolina businesses can sign up for Business Credit Advantage at http://www.smartbusinessreports.com/SouthCarolina.
Copyright 2012 WIS. All rights reserved. The Associated Press contributed to this report.
