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COLUMBIA, S.C. (AP) -- The two credit monitoring services covered by South Carolina's $12 million contract with Experian differ in what's accessible at no cost to enrollees, and whether help extends beyond the state-paid first year.

Experian last week began rolling out Family Secure, designed to alert parents if a credit file pops up in their child's name.

It's offered on top of the ProtectMyID service offered to adult taxpayers.

Gov. Nikki Haley negotiated the contract after a hacker stole millions of taxpayers' data.

Family Secure provides unlimited access to Experian credit reports and credit scores, instead of a single free report.

But it doesn't provide minors the lifetime of over-the-phone resolution assistance Haley has touted.

The CEO of a nonprofit contacted by the governor's office says it's provided that for free since 1999.

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