ClearScore Protect Plus

What it is

Spec sheet

What it does

Protect Plus monitors a user's credit report and dark-web data for identity-theft and fraud indicators.Read 15 Oct 2026 · clearscore.com

Free plan

NoRead 21 Sep 2026 · clearscore.com

Support

ClearScore's Australian Protect Plus page advertises round-the-clock access to a fraud helpline.Read 9 Oct 2026 · clearscore.com

Headquarters

Sydney, New South Wales, AustraliaRead 28 Sep 2026 · clearscore.com

Founded

LinkedIn states that ClearScore was founded in 2015.Read 15 Oct 2026 · linkedin.com

API access restriction

API requests from some regions, including India, Pakistan and Cyprus, are documented as returning HTTP 403 even with valid credentials.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

API authentication

The partner API requires both a JWT bearer token and an x-api-key supplied by ClearScore.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

API availability

ClearScore publishes a partner API covering redirect and eligibility endpoints for lender integrations.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

API documentation depth

The documentation includes authentication, integration guidance, payload examples and separate credit-card and unsecured-loan API requirements.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

API environments

The documentation lists separate sandbox and production endpoints for redirect and eligibility APIs.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

API rate limit

The default partner limit is 50 requests per minute, subject to agreement-specific changes.Read 15 Oct 2026 · apidocs.everywhere.clearscore.io

Breach-database limit

ClearScore says its cyber-check partners' databases cannot contain every breach, so a clean result does not prove that data was never exposed.Read 15 Oct 2026 · clearscore.com

Company legal name

The Australian service is operated by ClearScore Australia Pty Ltd, ABN 21624386330 and ACN 624386330.Read 15 Oct 2026 · clearscore.com

Company size

LinkedIn lists ClearScore as a privately held company with 201–500 employees.Read 15 Oct 2026 · linkedin.com

Credit monitoring

Protect Plus provides credit report updates about changes to a score, financial data such as balances, or fraud-relevant information.Read 9 Oct 2026 · clearscore.com

Credit-report updates

Subscribers receive updates about score, balance and other fraud-relevant credit-report changes.Read 15 Oct 2026 · clearscore.com

Daily dark-web scanning

The service scans the dark web daily for exposed personal information.Read 15 Oct 2026 · clearscore.com

Dark web monitoring

The product page says Protect Plus scans the dark web daily for personal information that may be exposed.Read 9 Oct 2026 · clearscore.com

Data handling

ClearScore says Cybercheck Partners receive the account email address and passport number if provided to check whether information may have been compromised, and retain that information only as long as needed for the check.Read 9 Oct 2026 · clearscore.com

Eligibility

The Australian Protect Plus terms state that insurance cover requires the subscriber to be at least 18 and permanently reside in Australia.Read 9 Oct 2026 · clearscore.com

Fraud helpline

Protect Plus includes access to fraud specialists 24 hours a day, seven days a week.Read 15 Oct 2026 · clearscore.com

Free service

ClearScore says users can join for a free credit score and report, and its free Protect service includes identity monitoring and dark web checks.Read 9 Oct 2026 · clearscore.com

Free underlying service

ClearScore offers a free credit score and report, with Protect Plus sold as an additional subscription.Read 15 Oct 2026 · clearscore.com

Group headquarters

ClearScore lists its group headquarters at Vox Studios, London, England.Read 15 Oct 2026 · linkedin.com

Identity restoration

YesRead 21 Sep 2026 · clearscore.com

Identity-theft insurance

The advertised cover provides up to US$1 million for eligible identity-theft costs such as legal fees and lost wages.Read 15 Oct 2026 · clearscore.com

Insurance complaints

Complaints or claims about Protect Plus cover are directed to CyberScout/TransUnion using contact details in the app terms.Read 15 Oct 2026 · clearscore.com

Licence and ownership

The Australian terms identify ClearScore Australia Pty Ltd as the service company, while website and app intellectual property is owned or licensed to ClearScore with rights reserved.Read 15 Oct 2026 · clearscore.com

Limit: data accuracy complaints

Google Play reviewers report outdated or incorrect account information, confusing alerts and difficulty getting useful dispute assistance.Read 15 Oct 2026 · play.google.com

Limit: marketing complaints

Australian reviewers complain about repeated or anxiety-inducing emails and difficulty unsubscribing.Read 15 Oct 2026 · productreview.com.au

Limit: misleading offers complaints

Australian Trustpilot reviewers report that suggested lenders sometimes decline applications despite favorable ClearScore indications, with some saying their ratings then fell.Read 15 Oct 2026 · trustpilot.com

Limit: single credit bureau

TechRadar notes that ClearScore uses only one credit agency, limiting the completeness of its credit view.Read 15 Oct 2026 · techradar.com

Limit: support and login complaints

App Store and ProductReview reviewers report login problems and difficulty reaching support when they cannot access their account.Read 15 Oct 2026 · apps.apple.com

Monitoring cadence limit

The terms state that Protect and Protect Plus are not live monitoring services; breach notifications arrive at the next scheduled check.Read 15 Oct 2026 · clearscore.com

Monitoring data shared

For monitoring, ClearScore shares a verified account email and, if supplied, a passport number with cyber-check partners.Read 15 Oct 2026 · clearscore.com

Opt-out

Users can opt out of the dark-web-monitoring part of Protect through Protect Settings.Read 15 Oct 2026 · clearscore.com

Partner network

ClearScore says its group has more than 200 financial-services provider partnerships worldwide.Read 15 Oct 2026 · clearscore.com

Partners

ClearScore's Australian terms name CyberScout, SpyCloud, and Superlative Enterprise Pty Limited as providers of parts of Protect Plus.Read 9 Oct 2026 · clearscore.com

Praise: mobile experience

TechRadar rated ClearScore's user experience highly and described its mobile app as among the strongest in the category.Read 15 Oct 2026 · techradar.com

Praise: usability

Independent reviewers describe the app as easy to use, clear and useful for tracking basic financial information.Read 15 Oct 2026 · trustpilot.com

Price-change terms

ClearScore may change Protect Plus plans or prices with at least 30 days' notice.Read 15 Oct 2026 · clearscore.com

Ransomware cover

The plan advertises up to US$25,000 of ransomware cover.Read 15 Oct 2026 · clearscore.com

Rating on Apple App Store

4.8 out of 5 from 7.1K ratingsRead 15 Oct 2026 · apps.apple.com

Rating on Google Play

4.0 out of 5 from 96K reviewsRead 15 Oct 2026 · play.google.com

Rating on ProductReview.com.au

3.0 out of 5 from 216 reviewsRead 15 Oct 2026 · productreview.com.au

Rating on Trustpilot Australia

3.2 out of 5 from 519 reviewsRead 15 Oct 2026 · trustpilot.com

Requires ClearScore account

Users need a ClearScore account to access ClearScore Protect, and the company says sign-up takes about two minutes.Read 9 Oct 2026 · clearscore.com

Security certifications

ClearScore's corporate page states that the group is SOC 2 Type 2 and ISO 27001 certified.Read 15 Oct 2026 · clearscore.com

Security score

The separate Protect security score is based on verification, breach actions, report-change checks and security tips, and is not shared with lenders.Read 15 Oct 2026 · help.clearscore.com.au

Plans and prices

Every ClearScore Protect Plus plan and price →

Strong points and limits

Who it suits

Verdict

Where Specifiction places it

• Identity Theft Protection Services#2 of 258.7
• Identity theft protection#9 of 258.3