Not a member? ENROLL NOW

Detection. Protection. Peace of Mind.


Get peace of mind and help protect what you've worked so hard to earn by enrolling in Morgan Stanley Identity and Credit Protection from Experian. Provided by Experian®, a global leader in identity security, Morgan Stanley Identity and Credit Protection from Experian offers a robust suite of premium monitoring and identity services to help safeguard your personal information.


Morgan Stanley Identity and Credit Protection from Experian benefits include:

  • Dark Web Monitoring. We keep a vigilant eye on the dark web, monitoring thousands of websites and millions of data points to determine if information like your Social Security number is being sold or traded online. If we detect something, we'll alert you.
  • 3-Bureau Credit Reports and VantageScore® 3.0 Scores*. We help you keep tabs on your credit activity by offering you once-per-month access to your Experian, Equifax®, and TransUnion® credit reports, as well as your 3-Bureau VantageScore 3.0 scores.
  • 3-Bureau Credit Monitoring. Receive daily monitoring of your credit reports and alerts about key report changes, such as new inquiries or address changes.
  • Identity Alerts. Get real-time notifications if your personal information is used without your authorization, including to apply for new credit.
  • Fraud Resolution Assistance. Our dedicated Fraud Resolution Specialists help you cut through the red tape, guiding you toward a resolution if you become a victim of identity theft.
  • VantageScore Alerts. We will inform you when vital changes to your VantageScore occur, including if it goes up or down.
  • Lost Wallet Protection. Cancel and replace registered credit and debit cards with one phone call.
  • Child Monitoring. Register up to five children under age 18 and receive an email alert if an Experian credit report is found under the child's name.
  • Up to $1 Million Identity Theft Insurance**. Receive coverage of up to $1 million to cover certain costs of identity restoration, such as private investigation and notary fees. Child Monitoring registrants are covered too.
  • And so much more!

Sign up is quick, easy and free for Cash Plus clients. To get started, we just need to verify some personal information and then you'll be on your way to peace of mind with Morgan Stanley Identity and Credit Protection from Experian.

*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Click here to learn more about this.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.