GREENSBORO, N.C. -- At last count, the Target security breach affected more than 110 million people.
That number could grow.
Even if you didn't shop at Target during the holidays, the company is offering FREE credit monitoring to ALL guests.
As of Jan. 13, any Target guests can enroll in the FREE credit monitoring service. Target is using the ProtectMyID program by Experian.
According to Target's website, the monitoring includes a copy of your credit report, daily credit monitoring, identity theft insurance and access to personalized assistance.
Be aware of this: You will get the benefits for one year. But your membership DOES NOT expire. After a year you will be billed. You will need to make sure you check back at the anniversary time and stop your membership or choose to keep it and pay.
With that said, you need to request an activation code by April 23, 2014, and register for the program before April 30, 2014.
According to the Target website, this is not a log-on one time and get it done kind of thing.
First, you'll need to get an activation code. You get it by submitting your name and email to CreditMonitoring.Target.com. Then you wait between one and five days for your activation code and directions.
Once you get the activation code, the directions will take you through a few steps including providing Experian with your personal information. This is needed to monitor your credit, so be prepared to enter in your name, address, date of birth and social security number.
This service is free, BUT during enrollment, Target says you will have the option to purchase additional monitoring products at your own expense. You are not required to do so. Often times, you must read and re-read these paragraphs to make sure you know what is free and what is not.
In the meantime, experts advise that you keep checking your bank statements for irregular activity. Target set up an entire website with resources and answers regarding the breach.
The BBB warns to watch out for e-mails and calls offering assistance. It could be schemers trying to take advantage of the Target breach.