Identity Monitoring

CLC Protect*

Includes continuous 24/7 credit, Social Security Number and personal information monitoring with text and email alerts that notify you of credit changes and suspicious activity. We also give you access to your credit reports and credit scores from the three major credit bureaus. ID Monitoring is a vital component in defending your most valuable asset, your identity.

24/7 Tri-Bureau Credit Monitoring*

Your credit reports from each of the three major credit bureaus (Experian, TransUnion and Equifax) will be monitored on a daily basis for any new credit inquiries. If any activity is detected, we will notify you via email or text so that you can confirm whether the activity is fraudulent.

Tri-Bureau Credit Reports & Credit Scores

View all three credit reports (Experian, TransUnion and Equifax) from your dashboard 24/7. You will also receive your credit scores from all three credit bureaus.

Credit Score Tracker

View and track your TransUnion credit score from your member dashboard. Each month your TransUnion credit score will be updated. By tracking your score, you’ll know if it’s changing from month to month. Changes in your credit score are important to track and could be an indicator of fraudulent activity.

Change of Address Monitoring*

We monitor your address and alert you if your mail has been redirected through the United States Postal Service. When criminals commit fraud, they typically change the physical address to gain access to mail, bills, credit card statements, and other financial documents.

24/7 Social Security Monitoring*

We monitor your Social Security Number (SSN), using cutting-edge technology to monitor hundreds of millions of online records, for unauthorized usage of your SSN. When we find anything suspicious, you receive a real-time alert that can allow you to take action and halt unauthorized usage of your SSN.

24/7 Debit & Credit Card Monitoring*

We monitor the Internet for fraudulent activity involving your personal information, such as credit card numbers and debit card numbers, PIN numbers, and other personal information in internet hacker chat rooms and the dark web. Notices of compromised data are made available on your dashboard in real time. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent. 24/7 DATA SWEEP MONITORING* We monitor the Internet to find your exposed personal information – name, phone numbers, addresses, email, and more. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.

24/7 High Risk Transaction Monitoring*

We monitor your name and Social Security Number across a network of companies who utilize the “out of wallet” knowledge-based authentication questions to verify an identity during a transaction. You will receive a real-time alert via the email on record, when the “out of wallet” knowledge-based authentication questions have been activated. The notification will include two buttons: “Dismiss” or “Red Alert.” If you are involved with the transaction, then you can press “Dismiss.” If you are not involved with the transaction, you can press “Red Alert.” This sends a message back upstream. This alert can be received by the company conducting the transaction and can sometimes stop the transaction before completion. No PII is transmitted with the red alert process. Examples of monitored transactions include bank password resets, account openings, payroll access, credit card activations, electronic funds transfers, and online prescription refills. The monitored network is extensive; however, it does not monitor all high risk transactions. It does not cover all companies who utilize the “out of wallet” knowledge-based authentication question process, nor do all high risk transactions involve the use of the knowledge-based authentication process.

Family ID Monitoring*

If you’ve chosen a family membership, your spouse and dependents are eligible for Family ID Monitoring. We will monitor up to a total of four (4) of your family members’ Social Security Numbers for high-risk transactions. Your spouse and dependents social security numbers (SSN) are monitored across a network of companies who utilize the “out of wallet” knowledge-based authentication questions to verify an identity during a transaction. When we find anything suspicious, you will receive a real-time alert that can allow you to take action and possibly halt unauthorized usage of a family member’s SSN. Family monitoring services also include, Data Sweep, ID Threat Score and Credit/Debit Card Monitoring.