Identity Theft Protection Services
When your organization or company needs to provide identity theft protection, First Watch Technologies helps you protect
those individuals with one of our comprehensive identity theft protection plans.
Download the First Watch Identity Theft brochure for more information.
Some of the ways we work with organizations are:
- Marketing partners – to private label our products to supply to their members.
- Breached companies – to provide identity theft protection to individuals affected by a client’s data breach.
- Employee benefits – as part of a supplemental benefit program to offer ID theft protection to employees.
Our Identity Theft Protection plan options are:
- First Watch ID, our proprietary identity theft plans (most cost-effective).
- Credit Monitoring through TransUnion®
- Credit Monitoring combined with selected First Watch ID features.
Identity Monitoring: First Watch ID Monitoring was specifically developed to address identity theft and fraud and is different than credit monitoring. Our proprietary technology detects early non-credit warning signs to help prevent or reduce the damaging effects of identity theft.
Identity Risk Score: First Watch’s Identity Risk Score is a proactive scoring solution to help individuals see their level of identity theft risk. We use actual data and not demographics to determine an individual’s identity theft risk. This is not a credit score or a credit rating.
Credit Monitoring: Direct-to-consumer credit monitoring was introduced to enable consumers to see what lenders and insurance companies look at prior to making a decision. By monitoring their credit, consumers can identify errors and correct inconsistencies prior to applying for credit. They can also identify unfamiliar transactions which could indicate identity theft.
Some examples of current plans are listed below.
| Core Benefits | FWID Premium | CM TransUnion | FWID Basic |
|---|---|---|---|
| A once annual bureau credit report and score | ✔ | ||
| Single bureau credit monitoring | ✔ | ||
| Free annual credit reportaccess reminder service (all 3 bureaus) | ✔ | ✔ | ✔ |
| Identity risk scores | ✔ | ✔ | ✔ |
| FW ID monthly ID monitoring | ✔ | ✔ | |
| FW ID continuous ID monitoring | ✔ | ||
| High risk monitor - Acct Activity Alerts | ✔ | ||
| Internet Privacy Scanning | ✔ | ✔ | |
| Dark web monitoring | on request | ||
| $1 million* ID theft insurance ($0 deductible, discovery based) | ✔ | ||
| $25,000* ID theft insurance ($0 deductible, discovery based) | ✔ | ✔ | ✔ |
| Fully managed identity restoration U.S. based | ✔ | ✔ | ✔ |
| Social Security statement access and reminder (online only) | ✔ | ||
| Lost wallet/purse | ✔ | ✔ | |
| Reduced pre-approved credit offers | ✔ | ||
| Quarterly online newsletter | ✔ | ||
| Monthly email if no suspicious activity found | ✔ | ✔ |
*Identity Theft insurance underwritten by 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.