How It Works

State-of-the-art identity protection at your fingertips

Protection Portal

Stay up to date on any potential threats using your customized member dashboard

Full access to all our identity theft tools

Our member dashboard interface lets you quickly view your current risk score and access all our identity protection tools.
Credit bureau monitoring
Credit bureau reports
Credit bureau alerts
Safe Wallet
Dark web monitoring
Risk assessment score

Credit Bureau Monitoring

Your credit score is important for multiple reasons. It's also one of the first places to spot potential identity thieves quickly, before they do serious harm

24/7 three-bureau credit monitoring and TransUnion credit report and score

TransUnion, Equifax and Experian reports are monitored 24/7. If any suspicious activity is detected, you’ll immediately receive an email and/or text alert.

My Monitoring

Our proprietary ESP software aggressively monitors over 250 billion data points of your personal information to find it anywhere it may be hidden, even on the dark web

Dark web monitoring helps detect attempts to compromise your personal information 24/7

Dark web monitoring is key to successful protection of your identity. Simply enter your personal information in the “My Monitoring” section to activate our ability to protect any breach of your private data on the dark web.
  • Dark web risk analysis
  • Credit / debit card
  • Phone number
  • Email address
  • Postal address
You’ll also receive a dark web risk analysis showing actions you can take to minimize future risk of breaches.

Email Breach Detection Tool

Our breach detection tool reaches deep within the dark web, searching for breached personal data already posted by or sold to data thieves

Data breaches occur frequently at major companies worldwide

Public sources include sites that anybody on the internet can easily visit to download or purchase a list of leaked records. This data includes Pastebin links, public link forums and direct downloads on file-sharing networks.

We gain access to stolen information by interacting with criminals on private forums inaccessible to the general public, where data thieves trade or sell their information. Our breach detection resources can help discover if your information was or is currently being offered underground, so you can quickly address the situation.

Lost or Stolen Wallet Protection

With Safe Wallet, you never again have to worry about a lost or stolen credit card

Safe Wallet gives you easy 24/7 access to your account information, as well as phone numbers to call to restore the accounts

Secure your credit and debit card numbers, driver’s license number, PIN numbers and more in a secure location in the event your wallet or purse is lost or stolen.

Safe Wallet offers simple access to these important numbers, along with the phone to numbers to call to restore the accounts.

Deactivating and replacing the essential items in your wallet or purse once lost or stolen is stressful and time consuming. With a single call, you can enlist our team to help complete the steps required to retrieve or replace your essentials and contact your financial institutions.


Real-time text and email alerts of suspicious activity on your credit help you stay vigilant

Financial Lock’s alerts system keeps you informed of most credit bureau activity so you can quickly detect identity theft attempts

Our integrated credit bureau alert system maintains a history of all credit activity on TransUnion, Experian and Equifax, with 24/7 real-time email and/or text notifications of any suspicious action.