CLC ID PROTECTTM brings it all together
CLC ID PROTECT™ provides protection now, security like never before. With CLC ID PROTECT™, you will have 24/7 access to monitor, protect and recover your identity, credit and personal information. If you ever fall victim to identity theft, our fully trained and certified Fraud Resolution team offers a confidential and full-service program where we do the work for you. We assist members with restoring their credit and financial reputation by administering the costly steps required through a Limited Power of Attorney to dispute fraud on behalf of our members. Should you experience financial loss due to identity theft, you have peace of mind knowing you carry a $1,000,000 ID theft insurance policy ✝.
CLC ID Protect provides the following identity protection services:
24/7 ACCESS to FRAUD RESOLUTION TEAM
PERSONALIZED CASE MANAGEMENT
CREDIT and IDENTITY MONITORING *
ACCESS to CREDIT REPORT and SCORE
24/7 TEXT or EMAIL ALERTS
1,000,000 Identity Theft Insurance †
Personalized Member Dashboard
Lost and Stolen Wallet Protection
Safe Wallet Storage Feature
Largest Network of Attorneys and service providers
CLC ID PROTECT™ includes continuous 24/7 Credit, Social Security Number and Personal Information Monitoring with fraud alerts that notify you of suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
We do all of the work, from start to finish. Your problem is our problem.
Our full recovery service team consists of a national network of professionals and in-house Fraud Resolution Specialists who do the work on your behalf.
Each FRS is highly trained with an average of 18 years in the business and certified with CDIA and the Fair Credit Reporting Act (FCRA). Additional certifications include Certified Identity Theft Risk Management Specialist®, Certified Credit Counselor and Certified Credit Report Reviewer. Each FRS is made familiar with prohibited collections practices as defined by the Fair Debt Collection Practices Act (FDCPA).
Identity recovery is a difficult and exhausting process that few people are equipped to handle themselves. That’s where we come in. Other companies advise you on what you should do — CLC ID PROTECT™ acts for you! Our full recovery service is unparalleled in the industry. We’ll work on your behalf from start to finish in order to restore your identity and credit reputation.
“My FRS has been absolutely impeccable at her job of resolving major credit and IRS tax fraud cases for me. She stayed vigilant and did not let up for a second even when the odds seemed stacked against me in some of the cases where different collection agencies did not want to cooperate. I cannot say enough about her passion for her position and actually for me. I have never met her but I feel like she is a member of my family now. She was and is professional and personable as could be hoped for. I felt as though she truly cared about my case. She never seemed distant or detached in our conversations. She has saved my life.”
Your personalized dashboard will issue a risk score, which alerts you to any identity threats. The dashboard monitors 360 billion credit, address and public records.
As a CLC ID Protect member, your dashboard is just one of many tools available to you. You always have our technology and our team of specialists providing identity protection to you and your family 24 hours a day, seven days a week.
CLC ID PROTECTTM includes continuous 24/7 Credit, Social Security Number and Personal Information Monitoring with fraud alerts that notify you of suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
Your credit reports from each of the three major credit bureaus (Experian, Equifax, and TransUnion) 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 suspicious activity is fraudulent.
View all three credit reports (TransUnion, Equifax and Experian) from your dashboard 24/7. You will also receive your credit scores from all three credit bureaus. Your Transunion credit score will update on a monthly basis.
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: “Not Me” 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.
We monitor your Social Security Number 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.
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.
We monitor the Internet to find your exposed personal information – phone numbers, addresses, email, and more. Then, we help you take it down and automatically process opt-outs on your behalf. This stops people-search sites and criminals from selling your personal information to individuals who might have ulterior motives. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.
Monitors and alerts you if your mail has been redirected through USPS without your authorization. When criminals commit fraud they typically change the physical address to gain access to mail, bills, credit card statements, and other financial documents.
If you’ve chosen a family membership, your spouse and dependents are eligible for Family ID Monitoring. We will monitor up to four (4) of your family members’ Social Security Numbers for high risk transactions. Your spouse and dependents SSN’s 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 receive a real time alert that can allow you to take action and halt unauthorized usage of a family member’s SSN.
CLC ID PROTECTTM uses email and text alerts to notify you of changes in your credit and suspicious activity involving your personal information. When you receive an alert, you have the capability to easily click on the "Red Alert” or “Not Me" response on your member dashboard. This response will be pushed back to the source of the transaction alert and can sometimes stop the fraudulent transaction before it is completed. If your identity is stolen you will receive up to $1,000,000 identity theft insurance† coverage available for fraud-related losses and expenses, such as lost wages or legal expenses, as well as unauthorized electronic funds transfers.
Up to $1,000,000 in identity theft insurance with a zero deductible for unauthorized electronic funds transfers from personal checking and savings accounts. This coverage also includes expense reimbursement coverage with a zero deductible for certain fraud-related expenses, such as lost wages as a result of time off work, reasonable attorney’s fees (appointed by the insurance company) for defense costs for specific civil suits, notary and certified mailing costs for completing fraud affidavits, long distance phone charges associated with re-establishing your identity, along with many other out-of-pocket expenses that are related to the recovery of your identity. If you have a family package, your spouse and dependents will receive this coverage as well.
† Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). 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.
When an alert comes to your dashboard, you have the capability to easily click on the "Red Alert” or “Not Me" response. This response will be pushed back to the source of the transaction alert and can sometimes stop the fraudulent transaction before it is completed.
We help you determine how vulnerable you are to identity theft. We measure your personal risk and assign you an Identity Risk Score. When you understand where, when, and how you are at risk, you can take control and better manage your identity. Our scan returns a one-time analysis of identity fraud risk based on proprietary algorithms and historical data. Our Risk Score is a multi-faceted analysis of identity fraud risk across a continuously-updated network of consumer data containing over 250 billion data elements. Proprietary algorithms analyze data from financial, insurance, healthcare, online, dark web, and public records sources.
Secure your credit/debit card numbers, Driver’s License number, and others in a secure place in case your purse or wallet is stolen or lost. You’ll have easy access from your dashboard to view these items, as well as associated phone numbers to have them replaced.
CLC ID PROTECTTM gives you unlimited access to a US-based team of Fraud Resolution Specialists™ who work relentlessly on your behalf to restore your stolen identity and repair your damaged credit reputation should you ever fall victim to identity theft. If you have a family package, your spouse and dependents will receive this coverage as well.
We assist you with restoring your credit and/or financial reputation. Fraud Resolution Specialists™ will execute the process through a Limited Power of Attorney, mitigating some of the costly steps required to properly dispute fraudulent debts as a result of identity theft, and documenting actions taken during the resolution/recovery process – including all required document preparation. The FRS™ will become the advocate on your behalf with any involved entities.
If you have chosen family coverage, your immediate family (spouse and dependents) is covered should any of them ever fall victim to identity theft. Depending on your coverage, your family will receive the same ID Theft Recovery services that you do.
You have unlimited access to our team of Fraud Resolution Specialists™. Each FRS™ is an experienced fraud representative and has been trained under the Fair Credit Reporting Act (FCRA). Each FRS is educated on and familiar with prohibited “collection” company activities under the Fair Debt Credit Protection Act (FDCPA). Additional certifications include Certified Identity Theft Risk Management Specialist® and Certified Credit Report Reviewer.
Receive a step-by-step guide when you fall victim to theft or a breach. This kit is available at any time through our website.
Replacing items in your wallet or purse when they're stolen or lost can be very stressful and time consuming. Our FRS™ team can assist you with the steps required to contact the financial institutions and/or to replace the missing items.
You are entitled to a free initial sixty-minute consultation with an attorney concerning each new issue involving theft of your identity. After the initial consultation, the participating attorney may be retained at a preferred rate reduction of 25% off of the attorney’s standard hourly or fixed fee rates.
You are entitled to up to a sixty-minute telephone consultation with a Financial Coach at no cost. A Financial Coach can assist you with restoring and rehabilitating your credit reputation and financial status, which have been damaged as a result of an identity theft crisis or fraud. Coaches have undergone extensive training in this area and have acquired training under the Fair Credit Reporting Act (FCRA). Coaches are also trained under the Fair and Accurate Transactions Act (FACTA) in order to assist in a complete review and understanding of your credit report. Coaches are Certified Credit Counselors, in addition to holding certifications like CFP® Professional, Enrolled Agent, CPA, and Certified Credit Repair Specialist, and experience as former bankers and insurance professionals.
Through our staffed CPA’s and Enrolled Agents, and via Power of Attorney, we are able to help victims of tax fraud by working directly on their behalf with the IRS. This is a premium feature you will be hard pressed to find from competitors offering identity theft protection services.
*CLC ID PROTECT™ does not monitor all transactions at all businesses.
**No service can stop all identity theft events.