CLC ID Protect
Uses email and text alerts to notify you of changes in your credit and possible suspicious activity involving your personal information. When you receive an alert, at times you will have the capability to easily click on the “Red Alert” response on your member dashboard. This response will be pushed back to the source of the transaction alert and can possibly stop the fraudulent transaction before it is completed. If your identity is stolen, you are eligible to 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.
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. Primary members and spouse/family members must activate at least one monitoring service in order to be eligible for the $1,000,000 insurance coverage.
ID Threat Score
We estimate your vulnerability to identity theft by measuring your personal identity threats, then calculate your Identity Threat Score. When you understand where, when, and how your identity is being threatened, you can take control and better safeguard yourself. Your Identity Threat Score provides real-time analysis of identity fraud threats based on our proprietary algorithms and historical data. The score is a multi-faceted analysis of your current identity fraud risk across a continuously updated network of consumer data containing over 250 billion data elements. Proprietary algorithms analyze data from the dark web, financial institutions, insurance companies, healthcare organizations, online searches, and public records sources. Your Identity Threat Score is an important component of protecting your identity and when combined with the other monitoring, protection and recovery features of this service, provides you with the security you need when facing the ever present threat of identity theft.