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Identify 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 provide a daily check for inaccuracies that could indicate identity theft. They can alert you to suspicious changes to your credit, such as unauthorized credit account openings. When you purchase a Wells Fargo Identity Theft Protection plan, you’ll be able to:

  • Benefit from daily monitoring of your information from 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 Fraud Resolution Representatives 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 monitoring of your Triple-Bureau (Experian, Equifax and TransUnion) credit activity, timely alerts when certain changes appear in your Credit Report(s), 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 Benefits and Features Identity Theft Protection Enhanced Identity Theft Protection

Credit Report(s)

Comprehensive credit information from Experian®, Equifax®, and/or TransUnion®

Available at sign up and quarterly updates thereafter Available at sign up and upon request every 30 days thereafter
PLUS Score(s)
Quarterly Monthly

Triple-Bureau daily monitoring and alerts

Alerts of certain changes to your credit records

Yes
Yes

Fraud Resolution

Personalized support to help you recover if you are a victim of identity theft

Yes
Yes

Lost Card Recovery

Help with the replacement of a lost or stolen debit or credit card

Yes
Yes
Up to $10,000 in Identity Theft Insurance
Yes
Yes
PLUS Score Tracker

Yes
Experian PLUS Score Simulator

Yes

Experian PLUS Score Alerts

Receive alerts when your Experian PLUS Score changes


Yes
Purchase Options
Phone or online Online only
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 Report(s) and PLUS Score(s) .
  • Daily monitoring of your Triple-Bureau (Experian, Equifax, and TransUnion) Credit Activity. It can take up to 14 days after date of purchase to establish monitoring.
  • Receive email alerts on reported changes to your credit information.
  • Get quarterly statements with updated PLUS Score(s), Score Factors, Alerts History, and more.
  • Receive personalized support and access to Fraud Resolution Representatives if you need experienced guidance recovering from identity theft.
  • Receive assistance through Lost Card Recovery to help you cancel and replace lost or stolen debit and credit cards.
  • 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 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 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 Report(s) and PLUS Score(s) .
  • Keep track of the history of your PLUS Score(s) and compare to the national average with the PLUS Score Tracker.
  • Receive Experian PLUS Score Change Alerts when your Credit Status changes or customize your alerts.
  • Use the Experian PLUS 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 Experian PLUS Score(s).

Wells Fargo Identity Theft Protection plans questions

What is Wells Fargo Identity Theft Protection?

Wells Fargo Identity Theft Protection (ITP) is an optional product that provides access to credit information and credit activity including a Credit Report and PLUS Score(s) from up to all three major Credit Bureaus. Credit information is monitored daily for certain changes and a notification is sent if any of the changes are reported from the Credit Bureau(s). Quarterly statements summarizing changes that have occurred in the previous three months will be sent to Wells Fargo Identity Theft Protection 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’ll also be eligible to access your Credit Report(s) and PLUS Score(s) monthly, as well as additional tools such as PLUS Score Tracker, Experian PLUS Score Simulator, and Experian PLUS Score Alerts.

How will I receive my Identity Theft Protection or Enhanced Identity Theft Protection benefits?

You’ll receive your benefits in one of two ways, depending upon what plan you purchase and how you purchase your plan:

  • Purchase by Phone – Call 1-877-224-3413 to purchase Identity Theft Protection. If you purchase by phone, you’ll receive your benefits by U.S. Mail. Purchasing by phone isn’t available for Enhanced Identity Theft Protection.
  • Purchase Online – If you’d like to purchase Identity Theft Protection or Enhanced Identity Theft Protection online, it’s important to use your own valid email address. Benefits will be delivered online and to the email address you provide.

What is Fraud Resolution?

If you become a victim of identity theft, Fraud Resolution is available to guide you through the process of restoring your credit. With Fraud Resolution you’ll get:

  • Personalized support and access to a Fraud Resolution Representative to support you every step of the way and provide on-going assistance through the recovery process.
  • Up to $10,000 in Identity Theft Insurance to help cover costs you might incur in recovering from identity theft, such as certain legal fees.

Wells Fargo Identity Theft Protection and Wells Fargo Enhanced Identity Theft Protection customers who need Fraud Resolution support, please sign on and go to the Fraud Resolution 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.

What is a PLUS Score(s)?

A PLUS Score(s) is what you’ll receive when you purchase a Wells Fargo Identity Theft Protection plan. Your PLUS Score(s) is provided for educational purposes which is calculated on the PLUS Score model and indicates your relative credit status. This isn’t the score used by lenders and can vary from the scores used by lenders (e.g. FICO or VantageScore).

How many types of credit scores are there?

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

  • PLUS Score(s), which is what you’ll 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.
  • 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 the three major Credit Bureaus and are 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.

Where do you get the information contained in the Credit Report?

The information in the Credit Report comes from Experian, Equifax, and/or TransUnion — 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 PLUS Score(s) provided by the Wells Fargo Identity Theft Protection plans will help you better understand your credit. These scores 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 Customer Service at 1-877-364-9343, Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time. Once you have identified any discrepancies, you will be provided 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: 1-866-828-5066

Experian: 1-877-364-9343

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 and PLUS Score(s) from up to all three major Credit Bureaus (Experian, Equifax, and/or TransUnion) delivered by U.S. 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.

What happens if I become a victim of identity theft?

If you have purchased an Identity Theft Protection product, you can call Customer Service at 1-877-364-9343, Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time. A Fraud Resolution Representative 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 won’t affect your credit or credit score.

What information does the Credit Report contain?

Your Credit Report contains a profile of your positive and negative credit history from up to all three major Credit Bureaus (Experian, Equifax, and/or TransUnion), including lines of credit, loans, liens, bankruptcies, 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 any changes to my credit information?

If you purchased a Wells Fargo Identity Theft Protection plan, you’ll receive notifications of changes to your credit information by email if you purchased online or by U.S. Mail if you purchased over the phone.

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

Call Customer Service at 1-877-364-9343, Monday – Friday, from 7:00 am – 8:00 pm, Saturday, from 7:00 am – 5:00 pm, or Sunday, from 9:00 am – 5:00 pm, Central Time.
 

Identity Theft Protection Terms and Conditions (PDF)*

Enhanced Identity Theft Protection Terms and Conditions (PDF)*