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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 began sending out notices last week on the availability of 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 all South Carolina taxpayers.

Gov. Nikki Haley negotiated the contract after a hacker stole the electronically-filed returns of millions of taxpayers.

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

But it doesn't provide those under 18 the lifetime of over-the-phone fraud resolution assistance extended to adults.

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