CINCINNATI (FOX19) - Signing-up for the free year of credit monitoring that Target is offering, after as many as 110 million customers' personal information may have been compromised in a security breach, is pretty easy.
First, go to creditmonitoring.target.com.
Then enter your name and e-mail address. Once your request goes through, you'll be told that Target will send you an activation code within one to five days. However, when FOX19 did this, it only took an hour or two for the code to show-up in an e-mail from Target.
Copy that code and click on the link that Target provides in the e-mail. That'll send you to a service called ProtectMyID, which is owned by the credit report company Experian. Here's where the process gets a bit longer. You have to enter your Social Security, address, and other private information. Then the system checks to see who you are. After it processes your info, it asks you a couple of challenge questions to ensure that you really are who you claim to be.
But after satisfying Experian's computers, you'll be able to instantly look at your credit report to see if anyone has been opening accounts in your name. Experian says its ProtectMyID service also watches for address changes and collection attempts, something that may signal ID theft.
However, Experian clearly tries to make money off you on the last screen of your credit report when it invites you to spend money to get your credit score.