Target is offering a great big mea culpa as a result of its recent data breach: a year’s worth of free credit monitoring through Experian. This is for anyone who shopped at Target stores in the United States between Nov. 27 and Dec. 15.
Personal finance expert Liz Weston offers some best-practices tips plus a legitimate URL where you can sign up for the service. According to the Target website, consumers need to be wary of e-mails and phone calls by scammers pretending to represent the company but who “are really trying to get personal information from you.”
Experian may try to get something from you, too, according to Weston: “It will try to sell you upgrades, such as a peek at ‘your credit score’ – actually a PLUS score that isn’t used by lenders.” But you don’t have to give a credit card number or pay for anything, because Target is picking up the tab.
You do, however, have to provide your Social Security number and some other info, so that Experian can make sure it’s protecting the right person.