Identity Theft and Credit Monitoring Overview

Note: These features are plan-specific so please review your profile settings in the app or check with our team to confirm your current plan.

ID Theft & Credit Monitoring provides tools, services, and real-time alerts for critical identity events, ensuring members can more proactively manage their risk.

Overview Video HERE

Key Features and Functionality:

• Credit Scores & Reports: Access to up-to-date credit scores and full credit reports from all 3 Bureaus (Experian, Equifax, TransUnion) to track financial standing and identify potential issues.

• Score Simulator: A tool that allows users to model different financial scenarios and see potential impacts on their credit scores.

• Instant mobile alerts: Real-time notifications for critical identity events, including SSN exposure and suspicious credit activity

• Home & Auto title monitoring (Principal Plan only): Unlimited title monitoring and alerts for ownership changes, mortgage activity, or potential fraud across your properties and vehicles. 

• Neighborhood watch (Principal Plan only): Safety alerts for up to 3 locations (up to a 5 mile radius) when a registered sex offender resides in the monitored area.

• Identity theft insurance (Principal Plan only): $5M in coverage for: Stolen funds, legal expenses, lost wages, and recovery-related costs

  • Children under the age of 18 will not be eligible for insurance and restoration coverage.

  • Each member will need a registered account (BlackCloak seat license) to have insurance coverage.

• Identity Restoration Services (Registered Member Only): Our full-service identity restoration service takes the burden off of you in the event that your identity is stolen by going beyond the traditional credit report restoration.

  • Children under the age of 18 will not be eligible for insurance and restoration coverage.

  • Each member will need a registered account (BlackCloak seat license) to have restoration service coverage.

• SSN Monitoring: We monitor your SSNs in real-time, detecting usage across a variety of situations including loan applications, employment and healthcare records, tax filings, online documents signings and payment platforms. You will receive immediate alerts so you can proactively control your identities.

  • Monitoring available for up to 10 SSNs for Principal plan members and up to 3 SSNs for all other plans with this feature

  • Child Coverage: Users can add children to the SSN Monitoring service.

• Change of Address: We help catch unauthorized changes to your current or past addresses by monitoring the National Change of Address (NCOA) database and U.S. Postal Service records. If a change occurs, we notify you the moment it happens.

  • Up to 10 addresses can be monitored at a time and is updatable in the mobile app

• Self-Service Management: Full in-app functionality to view, manage, and take action on all credit monitoring and identity protection features.

Plan inclusion breakdown:

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