Identity Theft Protection Plans

Help monitor your credit

Choose the plan that’s right for you

Wells Fargo's optional identity theft protection plans can help you monitor your credit and check daily for inaccuracies that could indicate identity theft. They can help you detect suspicious changes to your credit, such as unauthorized account openings. When you purchase a Wells Fargo identity theft protection plan, you’ll be able to:

  • Benefit from daily credit monitoring of your information at up to all three major credit bureaus.
  • Stay on top of your credit by receiving convenient updates and alerts when certain changes occur.
  • Save time navigating the process with help from dedicated specialists if identity theft happens.
  • Access information to help you reduce potential losses by finding out early if identity theft takes place. 

Compare identity theft protection plans

Help monitor your credit profile with an optional identity theft protection plan. You'll get access to the tools and support you need such as daily credit monitoring, alerts when certain changes appear in your credit report, and resources to help you recover from identity theft.

Compare identity theft protection plans available from Wells Fargo and choose the one that works for you.

Quick Comparison

Product Details Identity Theft Protection Enhanced Identity Theft Protection
Credit report(s) Available at sign up and quarterly updates thereafter
Available at sign up and upon request every 30 days thereafter
Daily credit monitoring
Yes
Yes
Credit Information Hotline
Yes
Yes
Identity Fraud Support
Yes
Yes
Mortgage, Loan And Auto Payment Calculators
Yes
Yes

Email updates, online access to benefits

Yes
Yes

Up to $10,000 in Identity Theft Insurance

Yes
Yes
Credit Score Tracker
Yes
Credit Score Change Alerts
Yes
Credit Score Simulator
Yes
Monthly cost $12.99 $15.99

Identity Theft Protection

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Enhanced Identity Theft Protection

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With Wells Fargo Identity Theft Protection, when you purchase your plan online, you can:

  • Get online access to your credit reports and CreditXpert® ScoresTM, with combined data from up to all three major credit bureaus, and access to specialists to help you understand your credit information.
  • Receive email alerts on reported changes to your credit information.
  • Get quarterly updates of any changes to your credit information.
  • Receive dedicated assistance to help you recover from identity theft.
  • Be reimbursed up to $10,000 for certain expenses covered under identity theft insurance.

If you’re looking for Wells Fargo Identity Theft Protection benefits, plus additional credit management tools, consider Wells Fargo Enhanced Identity Theft Protection.


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Wells Fargo Enhanced Identity Theft Protection gives you all the benefits of Wells Fargo Identity Theft Protection, along with additional credit management tools to help you understand your credit and reach your financial goals. You’ll also receive more frequently updated and detailed information.

In addition to the benefits of Wells Fargo Identity Theft Protection, with Wells Fargo Enhanced Identity Theft Protection, you can also:

  • Get monthly access to your credit reports and CreditXpert® ScoresTM, with combined data from up to all three major credit bureaus, in an easy-to-understand format.
  • Keep track of your Experian ScoreX PlusSM Score and how it changes month to month with the Credit Score Tracker.
  • Receive Credit Score Change Alerts that allow you to monitor your progress toward achieving your target credit score over time.
  • Use the Credit Score Simulator to see how behavior changes — such as paying off or opening a new credit card, reducing a debt, or missing monthly payments — may affect your credit scores.


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Wells Fargo identity theft protection plans questions

What is Wells Fargo Identity Theft Protection?

Wells Fargo Identity Theft Protection (ITP) is a service that provides access to credit information and credit activity including a credit report and CreditXpert® ScoresTM. Credit information is monitored daily for certain changes and a notification is sent if changes are reported from the credit bureau(s). Updates summarizing changes in the previous three months are sent quarterly to ITP customers.

What is Wells Fargo Enhanced Identity Theft Protection?

Wells Fargo Enhanced Identity Theft Protection includes all of the same benefits and services as Wells Fargo Identity Theft Protection. You will also be eligible to access monthly credit reports and monthly CreditXpert® Scores™, as well as valuable online credit management tools that can help show how financial decisions such as paying off or closing a credit card can affect credit scores.

What is Identity Fraud Support Service?

If you become a victim of identity theft, specialists are available to guide you through the process of restoring your identity. With Identity Fraud Support you’ll get:

  • A dedicated specialist supporting you every step of the way and providing on-going assistance through the recovery process.
  • A customized kit filled with helpful resources such as contact information for credit bureaus and financial institutions, and instructions on how to complete the steps necessary to recover from identity theft.
  • Up to $10,000 in identity theft insurance to help cover certain expenses of restoring your identity, such as certain legal fees.

Wells Fargo Identity Theft Protection and Wells Fargo Enhanced Identity Theft Protection customers who need Identity Fraud Support, please sign on and go to the Customer Service page.

What is my credit score?

Most consumers with a credit history have a file at each of the three major credit bureaus: TransUnion®, Equifax®, and Experian®. Credit bureaus collect and report credit account information including loan amounts or credit card limits, balances, and payment statuses. They also track requests or inquiries for your credit data. All of this information is combined to create your credit report at each credit bureau.

Your credit score is a numeric rating scale that many lenders and banks use to classify your credit worthiness and the relative likelihood that you will default — or not — on a credit obligation. Credit scores are developed using the information in your credit report. The higher your credit score, the better your credit rating.

How many types of credit scores are there?

There are many types of credit scores. Here are a few examples:

  • CreditXpert ® ScoresTM , which is what you will receive when you purchase a Wells Fargo identity theft protection plan, is an example of a score available for consumer purchase. Scores available for consumer purchase are currently sold primarily as educational scores and can differ from those used by lenders.  These scores include the scores made available through Wells Fargo identity theft protection plans.
  • FICO® Scores were developed by Fair Isaac Corporation and are the most widely used generic scoring models by financial institutions.
  • VantageScore Solutions builds its models using development databases that combine data from up to all three major credit bureaus and used by some lenders.

There is no single score, and in some cases you may be unable to know the exact score a particular lender will use to evaluate your credit.

How can I get help understanding my credit report?

When you purchase a Wells Fargo identity theft protection plan, you can call the Credit Information Hotline to get the assistance you need to fully understand the details of your credit history.  Customers can sign on and go to the Customer Service page to get more information about the Credit Information Hotline.

Understanding the information provided in your credit report is essential to proactively recognize potential identity theft.

Where do you get the information contained in the credit report?

The information in the credit report(s) comes from Experian®, TransUnion®, and/or Equifax® — the nation's three major credit bureaus. As a benefit of Wells Fargo identity theft protection plans, the data is merged into one comprehensive report that gives a picture of your complete credit history. All information is kept strictly confidential. The CreditXpert® ScoresTM provided by the Wells Fargo identity theft protection plans will help you better understand your credit. This score can differ from the scores used by lenders.

How do I dispute discrepancies on my credit report(s)?

For help understanding your report or identifying potential issues, you can call the Credit Information Hotline at 1-800-358-5098, Monday through Friday from 8:00 am to 9:00 pm and Saturday 8:00 am to 4:00 pm Central Time. Once you have identified any discrepancies, dedicated specialists will provide you with the tools and support necessary to help you submit your dispute(s) to the appropriate credit bureaus.

How do I contact the credit bureaus?

Equifax: 1-800-685-1111
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-916-8800

How often can I request my credit report with Wells Fargo identity theft protection plans?

Wells Fargo Identity Theft Protection customers receive a one-time credit report with data from up to all three major credit bureaus and CreditXpert® ScoresTM delivered by mail or available online, depending on how the customer purchased their plan.

Wells Fargo Enhanced Identity Theft Protection customers have access to their credit report online and can access a new credit report once every 30 days.

How will I receive my benefits?

If you purchase your plan online, you’ll enjoy immediate, online access to all your benefits, such as credit report(s) and CreditXpert® ScoresTM, and helpful credit management tools. Notifications and alerts will be sent to the email address that you provide in the application. If you purchase your plan over the phone, you’ll receive your credit report(s) and other benefits by mail. Note: If you purchase your plan over the phone, Enhanced Identity Theft Protection benefit notifications and alerts will be sent to the email address that you provided.

What happens if I become a victim of identity theft?

If you have purchased an identity theft protection product, call Customer Service at 1-877-224-5790 and ask to speak with a dedicated specialist. Wells Fargo’s identity theft protection team will assist you with compiling and organizing the paperwork required to document the fraud and help you inform the credit bureaus of the fraudulent transactions, notifying your creditors and financial institutions of the situation, and researching or investigating the potential damage to your identity.

In addition, if you suspect fraudulent activity on your Wells Fargo accounts, you can receive assistance by visiting the Fraud Information Center.

Will purchasing the Wells Fargo identity theft protection plans negatively affect my credit score?

No. Purchasing the Wells Fargo identity theft protection plans will not affect your credit or credit score.

What information does the credit report contain?

Your credit report contains a profile of your credit history from up to all three major credit bureaus, including lines of credit, loans, and credit card accounts that have been opened in your name. The credit report also lists companies or individuals who have viewed your credit information.

How will I be notified if there are changes to my credit information?

If you purchased a Wells Fargo identity theft protection plan, you will receive notifications of changes to your credit information by email or mail, depending on your delivery preference.

Who do I contact if I have questions about my plan or wish to cancel my plan?

Call Wells Fargo Customer Service at 1-877-224-5790 Monday through Friday, from 8:00 am to 9:00 pm and Saturday, from 8:00 am to 4:00 pm Central Time.

Credit report(s)

Get a better understanding of your credit profile with credit reports and CreditXpert®ScoresTM compiled from data at up to all three major credit bureaus, along with an analysis of your overall credit health.

Daily credit monitoring

Be alerted of certain changes to your credit files, such as new account openings, changes of address, account queries, and certain inaccuracies that could harm your credit.

Credit Information Hotline

Get help understanding the information contained in your credit report.

Identity Fraud Support

Receive dedicated assistance in helping to recover from identity theft.

Email updates, online access to benefits

It's important to purchase your plan using your own valid email address, because Identity Theft Protection and Enhanced Identity Theft Protection benefits will be delivered online and to the email address you provide.

If you do not have your own email address, Identity Theft Protection benefits can be mailed to you. Call 1-877-224-3413 to purchase Identity Theft Protection and receive benefits by mail.

A valid email address is needed to purchase and receive benefits from Enhanced Identity Theft Protection because the plan's benefits are available online and by email.

Up to $10,000 in Identity Theft Insurance

Be covered for certain expenses associated with helping you restore your identity, including certain legal fees and other costs.

Credit Score Change Alerts

Set your preferences to receive email alerts if there are fluctuations in your Experian Scorex PLUSSM credit score that could be a sign of identity theft.