identity protect logo Review

Data breaches have become a regular occurrence. While it is challenging to keep them all straight, the net result has been more than four billion compromised files in the first half of 2019 alone.

Those breaches include information on personal identity, social media, social security numbers, and passwords, and people are taking notice.

There are many simple ways to improve your identity protection. Common solutions include using a password manager, not posting your mother’s maiden name online, and never giving out your social security number.

If you want additional peace of mind, though, you can opt for comprehensive coverage from a reputable identity reporting company.

Table of Contents:

  • What is
  • Services
  • Costs and Fees
  • Security
  • Pros
  • Cons

What is

identity protect logoAs the name suggests, offers customers comprehensive identity protection services.

Their offerings include options for individuals and families to preserve personal information online and in the physical world.

It includes scans, alerts, defenses, and assistance when it comes to keeping your identity secure.

What Does Offer?

Identity Protect covers customers on a multitude of levels when it comes to their identity. It does this with monitoring systems and fraud alerts to make you aware of suspicious behavior. They help you nip any potential problems in the bud.

Identity Protect offers services to assist customers with identity resolution, restoration and covers people for credit freezes. Here is a list of aspects where Identity Protects can help:

  • Bank accounts
  • Checking accounts
  • Credit cards
  • Driver’s license
  • Investment accounts
  • Personal information, such as home address or social security number
  • Social media reputation
  • Spouse and children

When it comes to picking a plan, Identity Protect gives its users two options: Basic and Ultimate.  Here are the features included in each package:


  • One bureau credit monitoring
  • Credit fraud consultation
  • Change of address report and monitoring
  • Internet surveillance monitoring
  • Dark web surveillance monitoring
  • Identity theft recovery specialists
  • Assistance with cancellation and replacement of credit cards, driver’s licenses, social security cards, and more
  • Loan matching concierge service
  • Discounts with partner brands
  • Social security trace report
  • $100,000 loss protection reimbursement


  • All the features mentioned above PLUS
  • $1,000,000 loss protection reimbursement
  • Credit Scores and Reports from all 3 Credit Bureaus
  • Credit Score tracker from Transunion
  • Credit Monitoring from all 3 Credit Bureaus

How Much Does Cost?

Identity Protect offers coverage for individuals and families that come with monthly payments.  The main differences between the two plans are the Loss Protection Reimbursement amounts (up to $100,000 in the Basic plan and $1,000,000 in the Ultimate plan) and the one-Bureau reporting in the Basic versus three-Bureau reporting in the Ultimate.   Here are the costs associated with each package as of 1/4/21:

  • Basic: $12.95 per month, $155.40 per year
  • Ultimate: $19.95 per month, $339.40 per year


When it comes to protecting personal information on multiple fronts, Identity Protect has you covered. The company takes active and defensive measures to ensure you get the protection you need at a price that fits your budget. While no plan can guarantee security all the time, Identity Protect delivers when it comes to protecting customers against unwanted risk.


Social Media Protection

The proliferation of social media’s popularity and integration into popular culture is difficult to overstate. Whether you have Facebook, Twitter, LinkedIn, TikTok, or a combination of platforms, these sites contain sensitive information. It is why social media coverage is one of the essential features of any robust identity protection plan.

Customers interested in social media protection have to sign up for the Ultimate plan. From a business standpoint, this strategy makes sense as this coverage is typically the carrot companies dangle to get people to sign up for the most expensive plan. The Ultimate plan does have a bevy of other benefits that make it worth consideration, though.

Affordable Plans

Identity Protect’s prices are on par with its competitors. Prices for their plans start at $12.95 per month, and it comes with a considerable range of features.

Military-Grade Encryption

If the encryption that Identity Protect uses is good enough for the military, it is certainly good enough for you, too. The company uses an AES-256 military-grade encryption algorithm that protects passwords for all your accounts simultaneously. In addition to the armed forces, governments and intelligence agencies also use the algorithm to protect their most sensitive information.

Up to One Million Dollar Insurance Coverage

Identity Protect offers customers $1 million when it comes to compensating for fraud. The figure goes towards several different types of financial loss, such as legal fees, lost wages, bank account losses, and more. Plus, there is no deductible for the policy.


Young Company

Identity Protect got its start six years ago in Las Vegas, Nevada. While youthfulness isn’t necessarily a con, there are plenty of other companies in the industry with significantly more experience. If you want a robust track record of identity protection and the experience to back it up, then Identity Protect may not be for you.

No Antivirus Software

Antivirus software protects computers from external threats. While no product is perfect, it can mitigate damage from worms, bots, rootkits, spyware, Trojan horses, and more. Despite being an identity protection service, Identity Protect does not have any antivirus software products to preserve your computer.

Lack of Information Online

There is relatively little information about Identity Protect online. For instance, there is no “About Us” section on their website, a few reviews of their products, and a social media presence that is effectively zero. While this transparency is not a red flag, it may be enough to raise an eyebrow.

myidcare logo

MyIDCare Review

Update: As of October 15, 2020, MyIDCare is now known as IDX Identity. Read More.

Identity theft protection starts on an individual level. Taking the time to review your financial statements and track credit scores are some of the most proactive steps you can take.

If you want to implement more extensive measures, you can freeze your credit files with the three major credit bureaus: Equifax, Experian, and TransUnion using Lifelock or similar companies.

If you want complete peace of mind, though, it may be worth your time to invest in identity monitoring with id protection.

These identity theft protection services will monitor your personal information and provide alerts in case of suspicious activity.

Customers that do experience a malicious hack like identity fraud can also receive the resources and assistance necessary to restore their identities (restoration services) and garner financial compensation for the damages.

With that said, MyIDCare is a service that offers some of the most rigorous protection against identity theft that you can find.

Table of Contents:

  • About MyIDCare
  • Services
  • Costs
  • Security
  • Pros
  • Cons

What is MyIDCare?

myidcare logo

The company opened its doors in 2003 in Portland, Oregon with the intent of servicing many of the largest financial, retail, and governmental organizations in the United States.

Some of the companies that call themselves clients include NASA, CVS, the Mayo Clinic, and United Airlines.

The Better Business Bureau ( awarded MyIDCare an A+ accreditation.

People that sign up with identity theft protection companies like MyIDCare have the same level of service as the Fortune 500 behemoths.

It includes coverage for a bevy of digital platforms and nine different forms of theft:

  • Social Security Number
  • ​Child
  • Criminal
  • Employment
  • Synthetic
  • Medical
  • Driver’s License
  • Employment
  • Insurance

They also offer a 100 percent guarantee when it comes to recovering your identity should you be a victim of identity theft, especially with bank accounts and credit cards.

What Does MyIDCare Offer? has two plans: ESSENTIALS and PREMIER, with both offering an individual plan or family plan.

The ESSENTIALS plan is the more popular of the two and comes with single bureau monitoring at $8.46 for individuals and $16.96 for family plans.

The PREMIER variety has three forms of bureau credit monitoring starting at $16.96 for individuals and $33.96 for family plans.

Below are the features included in each package.

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  • Dark web cyber scan monitoring
  • $1 million identity theft insurance
  • 100 percent recovery guarantee of your money
  • Fully managed identity recovery services
  • Annual credit report
  • Lost wallet coverage
  • Unlimited advice from trained experts
  • A monthly recap of account activities
  • Scam alerts and protection advice
  • Password detection
  • Change of address monitoring
  • Court record monitoring
  • Payday loan monitoring
  • Social security fraud monitoring


  • Everything listed above +
  • Credit lock by TransUnion
  • Vantage Score 3.0 credit score
  • Instant inquiry alerts
  • SocialSentry Social Media Privacy and Fraud Protection
  • Inappropriate social content alerts
  • Social account takedowns
  • Social media fraud detection

One of the primary differences between the two plans is the additional protection for social media in the PREMIER package. Approximately 80 percent of Americans have at least one social media profile.

During the first half of the year, millions of those users had data breaches due to six significant breaches, which comprised 4.5 billion records, so the service from MyIDCare is fulfilling a real need in the market.

The proliferation of social media popularity is what MyIDCare is leveraging for a higher price point. Social media contains some of our most sensitive data, which is why it is one of the most important platforms to protect.

Deciding between ESSENTIAL and PREMIER will largely depend on your social media habits.

What Are the Costs of MyIDCare?

MyIDCare offers pricing options for individuals and families.

The family option provides benefits for two adults and up to five minors under the age of 18. Minors on the plan receive coverage for CyberScan Dark Web Monitoring, identity recovery, and stolen funds reimbursement.

Individuals that opt for the MyIDCare ESSENTIALS plan pay $8.46 per month or $101.52 per year.

They can also select the MyIDCare PREMIER plan for $16.96 per month or $203.52 per year.

Families pay monthly fees of $16.96 and $33.96, which translates to $203.52 and $407.52, respectively.

(Rates are current as of 12/24/20)

Is MyIDCare Secure?

You can rest assured knowing that if MyIDCare is good enough for Fortune 500 companies, it is good enough for you, too.

The company prides itself on being the brainchild of “ID Experts,” who specialize in protecting corporations, customers, and governments alike.

No company can guarantee protection against every form of fraud, but MyIDCare stands as one of the most reliable options in the industry.

Currently, MyIDCare services several million users from healthcare to higher education

The company also has mostly positive reviews from independent reviewing organizations. For instance, they have accreditation from the Better Business Bureau, as well as a solid A+ rating.

Pros of MyIDCare

Comprehensive Coverage

Many customers choose MyIDCare because of its thorough coverage when it comes to mitigating fraud. It includes monitoring services for your court records and loans in your name, as well as potential scam alerts. If you are a victim of fraud, MyIDCare will compensate you for up to $1 million in damages.

MyIDCare protects its customers on nine distinct levels. The protection includes medical, social security, criminal, financial, employment, driver’s license, insurance, and synthetic identity theft. There is also protection specifically for children.

Strong Reputation

MyIDCare backs up its offerings with high-level clients, such as Farm Bureau Insurance and Wellmark. The fact that multibillion-dollar corporations trust MyIDCare for their identity protection skills says something about the quality of their service.

We are not saying that you should choose them simply because Farm Bureau Insurance does, but it is a form of endorsement.

Recovery Guarantee

Identity theft can be a traumatic experience. Whether you experience a social media hack or social security fraud, your personal information becomes exposed and vulnerable. They covered the OPM (United States Office of Personnel Management) hack in 2015.

MyIDCare takes measures to completely recover your identity while reimbursing you for lost wages, legal fees, and more.

The company even has a 100 percent guarantee for restoring your identity to pre-theft status.

Cons of MyIDCare

Poor Mobile App

While MyIDCare does have a mobile app, customers have panned it for its performance. Many cite that they cannot look up information they need related to their identity protection while others find the interface cumbersome. In a world of instantaneous response and convenience, the mobile app appears to be lacking.

Assistance Is Not Around the Clock

While MyIDCare offers 24/7/365 monitoring services, the same luxury does not extend to their hotlines. If you have an identity protection issue, you should hope that it comes sometime between Monday and Friday within their 11-hour working window. Otherwise, you will have to wait overnight or over the week for help.


ReliaShield Review

Technology is becoming more integrated into modern life.

The more frequently you are online, though, the more opportunities there are for you to be a victim of cybercrime.

The risks of phishing and hacking are ever-present; it is essential to have some form of defense.

That is where identity protection comes into play. It provides a primary line of defense against fraud or stolen identity.

Policies will also have a safety net if you are a victim of cybercrime, as the provider will cover your expenses related to credit reports, lost wages, legal fees, and more.

Table of Contents:

  • About ReliaShield
  • Services
  • Costs
  • Security
  • Pros
  • Cons

What is ReliaShield?

ReliashieldReliaShield has been a leader in the identity theft protection industry since 1999.

More than a million Americans use the service as a form of insurance against fraud.

The company claims to have “a proud record of 100 percent success in restoring those individuals’ identities to pre-theft status.

What Does ReliaShield Offer?

Since its inception, ReliaShield has made a name for itself with its competitive pricing and comprehensive policies.

While no organization can guarantee 100 percent protection, ReliaShield extends its coverage as far as possible. It includes additional protection for children under the age of 18 for free.

ReliaShield Essential Plan

The ReliaShield Essential package covers all forms of ID theft. It comes with a host of monitoring services for the dark web, your social security number, court records, and changes of address. If something does happen to your identity, ReliaShield will reimburse you up to $1 million.

ReliaShield Prime Plan

ReliaShield Prime offers all the same features and more. For instance, the plan comes with more extensive monitoring services, including single bureau credit, neighborhood predators, and non-credit loans.

Perhaps most importantly, it is its oversight of social media whose users are 46 percent more likely to suffer account takeover fraud, according to a 2017 study from Javelin Strategy & Research.

ReliaShield Elite Plan

If you want the maximum amount of protection, there is the ReliaShield Elite plan. The added perks include notifications for bank account takeovers, new bank accounts, and credit card applications, as well as a monthly credit score tracker.
For more information, you can check out ReliaShield product offerings here. 

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How Much Does ReliaShield Cost

ReliaShield offers competitive pricing for all three of its plans. It includes fees as low as the price of two cups of coffee. Here are the rates for ReliaShield’s three packages:


  • ReliaShield Essential: $7.99 per month, $87.99 per year
  • ReliaShield Prime: $14.99 per month, $164.99 per year
  • ReliaShield Elite: $21.99 per month, $241.89 per year


  • ReliaShield Essential for Families: $14.99 per month, $164.89 per year
  • ReliaShield Prime for Families: $24.99 per month, $274.89 per year
  • ReliaShield Elite for Families: $34.99 per month, $384.89 per year

Is ReliaShield Safe?

ReliaShield is a reliable provider of identity protection services, as its name suggests. The company coverage for individuals and families may be tailored to your needs and budgets. They do not have a complaint evident regarding their services or products on the Better Business Bureau.

ReliaShield has “assisted thousands of victims of identity crime,” when it comes to restoring their identity. The company has the resources to restore the victim’s identity to pre-fraud status. You can get back to normal life in no time.

Pros of ReliaShield

Competitive Pricing

No matter your budget, there is a plan available for you with ReliaShield. The company offers three different tiers ranging from $7.99 to $34.99 per month, depending on the desired coverage. Considering that Americans lost $15.4 billion in identity theft in 2014, this small investment appears to be worthwhile.

The price of the plan is relative to the coverage, so it is possible to get cheaper plans, but customers will have to sacrifice their overall levels of protection. According to the National Association of Insurance Commissioners, people can find similar policies ranging from $25 to $60 per year.

Customers receive the benefit of free coverage for their children, too, regardless of the plan they select. The perk applies to any members of a two-parent household that are under the age of 18. As a point of reference, many competitors charge for this service.

Comprehensive Coverage

ReliaShield is worth exploring if you want complete peace of mind when it comes to identity protection. The company has a range of monitoring and detection systems to alert you of any foul play. You can take proactive steps to mitigate any potential threat to your identity and finances.

Each ReliaShield plan also comes with 24/7/365 customer service. People are always able to get in touch with an identity theft recovery specialist for information regarding their service or personal information. ReliaShield offers insurance on a wide range of platforms, ranging from social media to credit scores to investment accounts.


ReliaShield has been in the identity protection industry for two decades. The company is a part of ReliaQuote Insurance Services, which is the brainchild of three former Northwestern Mutual Life Insurance agents. Since its inception, the organization has earned headlines in Forbes, SmartMoney, and Money Magazines.

Cons of ReliaShield

No Services for Pre-Existing Theft

According to Forbes, data breaches have yielded access to more than four billion records in the first six months of 2019 alone. If you have already had your identity stolen before seeking a policy, ReliaShield will not cover the current claims. They also do not offer services dedicated to existing recovery options.

Few comparable companies offer assistance for pre-existing theft, though. Companies that do provide this service will often label it as “theft restoration.” While this feature is relatively common, it can be inconvenient for people whose identities are already in jeopardy.

Antivirus Protection Is Not Clear

No company can cover all aspects of identity fraud, and ReliaShield is no exception. For instance, it is unclear whether they have any offerings related to antivirus software, which would be able to protect your electronics.

If you would like more information about ReliaShield, and their services, you can contact them at (888) 201-1944 and speak with a representative.

identity iq logo

IdentityIQ Review

Your credit history and score are essential parts of life, so it is critically important to protect these elements from outside threats.

If a phisher, for instance, acquired your personal information and took out a credit card in your name, they could severely damage your reputation.

This is why we recommend you use a reputable identity theft protection plan, such as one offered by IdentityIQ to make sure you do not face such circumstances.

Table of Contents:

  • What is IdentityIQ
  • Plans
  • Cost
  • Is It Secure?
  • Pros and Cons
  • Canceling

What is IdentityIQ?

IdentityIQ provides identity and credit protection. It includes a host of credit monitoring services, alerts of suspicious activity, and information recovery methods services to ensure customers have minimal risk of fraud and identity theft.

Identity IQ also offers identity theft education seminars to corporate and academic organizations.

The private company had its start in Las Vegas, Nevada, in 2009 and has made a name for itself with affordable monthly prices.

One of their unique features is the ability to let customers bundle products.

For instance, people can combine their Identityiq services like identity theft protection services with credit monitoring, as well as credit reports.

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IdentityIQ Plans

IdentityIQ offers not one, but four different forms of credit and id theft protection plans.

The products are aptly named: Secure, Secure Plus, Secure Pro, and Secure Max Plan. Here is a breakdown of the features of each plan:


identity iq logo

  • Credit report monitoring from one bureau
  • Dark web monitoring
  • Internet monitoring of criminal records
  • One million dollars in stolen funds reimbursement underwritten by AIG
  • Coverage for lawyers and expert advice
  • Personal expense compensation
  • Social security number alerts
  • Synthetic identity theft protection
  • File sharing network monitoring
  • Lost wallet assistance
  • Checking account report
  • ​New public records
  • Opt-out IQ (junk mail and a ‘do not call’ cell phone number list)
  • US-based ID restoration service

Secure Plus

  • All the features mentioned above +
  • Credit reports and scores from three bureaus
  • Change of address monitor
  • IQ alerts with application monitoring
  • Checking account reporting

Secure Pro

  • All the features mentioned above +
  • Twice-yearly credit reports and scores from three bureaus
  • Credit report monitoring from three bureaus
  • Enhanced credit report monitoring
  • Alerts on crimes committed in your name
  • Score change alerts

Secure Max

  • All the features mentioned above +
  • Monthly credit reports and scores from three bureaus
  • Credit score tracker
  • Credit score simulator
  • Family protection of up to $25,000 for identity theft insurance and identity fraud restoration
  • Fraud restoration with limited power of attorney (LPOA)

IdentityIQ Cost

IdentityIQ’s plan covers individuals and families every month. Secure Max is the only one that specifically includes more than one person, however.

Here are the prices you can expect to pay on a monthly or yearly basis as of 1/4/21:

  • Secure: $6.99 per month, $83.88 per year
  • Secure Plus: $9.99 per month, $119.88 per year
  • Secure Pro: $19.99 per month, $239.88 per year
  • Secure Max: $29.99 per month, $359.88 per year

Is IdentityIQ Secure?

IdentityIQ provides a range of security measures to protect your credit and identity. The ability to mix and match features, as well as the custom identity restoration service, gives customers a great deal of control when it comes to determining the ideal amount of coverage.

Some of the fraud protection options include mail theft, Internet scams, lost wallets, data breaches, and home invasion.

No company is capable of protecting people on every single platform from becoming a victim of identity theft.

Even IdentityIQ avoids using the word “guaranteed” when it comes to describing the tenacity of their services.

While no amount of protection is a certainty, taking the proactive steps to mitigate any risk will undoubtedly benefit the integrity of your credit and identity.

Pros and Cons


  • Comprehensive Coverage: The IdentityIQ identity and credit reporting services are detailed and extensive. Customers receive protection on numerous fronts for the digital and physical worlds. The fact that there are four different plans also provides flexibility when choosing your preferred coverage amounts.
  • Affordable Rates: IdentityIQ’s prices are in line with those of its competitors. If pricing is a compelling factor in your decision, you will probably smile at a $6.99 per month plan. Customers also gain access to informative and straightforward online educational resources to protect their assets better, which is helpful.
  • One Million Dollar Protection: No matter what plan you select, you will be eligible for $1 million insurance policy protection underwritten by AIG. The figure covers stolen funds, lost wages, and legal fees. The peace of mind that comes with a $1 million cushion can be a satiating incentive to invest in fraud protection services. If you have been a victim of identity theft while using their services, you will be assigned a case manager to walk with you every step of the way.


  • Relatively Young Company: While ten years in the business is nothing to scoff at, IdentityIQ is relatively youthful by industry standards. The notion is not to say their products are inferior or their representatives don’t know what they are doing. Being in the industry for a few decades, though, provides customers with more insightful resources and financial assurance. They are not associated with the company Symantec who is behind Lifelock, however, they do offer comparable services with their Secure Max Plans.
  • Cheaper Plans Are Lacking: We looked closer at the Secure Plan. While the package is only $6.99 per month, it lacks many of the essential features of the other options. It does not include credit reports, IQ alerts, or family protection, and it’s challenging to justify spending the money here when the Secure Plus plan is only three dollars more.

How Do I Cancel IdentityIQ?

According to the IdentityIQ terms and conditions, you can call them on a customer service number that comes with membership.

Cancellation calls occur during business hours, which is between 8 a.m. to 10 a.m. (PST). After you confirm the cancellation and your identity, IdentityIQ will discontinue your account immediately.

Depending on the plan, you may still be able to access some features on the IdentityIQ website after canceling your package. It does not include the plan benefits, as mentioned above, such as credit tracking or dark web monitoring, though.

IdentityIQ also does not offer refunds because “services are made available to you upon re-enrollment or purchase and costs are incurred by us.

Is IdentityIQ Best for You?

Whether you get an ID theft protection plan from IdentityIQ or another service such as Identity Guard, it will be worth the money to give you peace of mind knowing you will be alerted if something out of the ordinary pops up on your credit report.

Your credit history and score are the gateways to your financial future.

Your FICO score or 3 bureau credit report made up by Experian, Equifax, and Transunion is what gives you the ability to get the money for a credit card, car, home, or college education.

It would be harder to receive favorable rates on loans, which makes it impossible to build a future by leveraging credit facilities.

privacy guard logo

PrivacyGuard Review

While there are several free credit reporting and monitoring services out there, we want to give you some feedback on a comprehensive system based on paid subscriptions.

In this PrivacyGuard review, we will cover the many features available with this extensive data protection service.

Table of Contents:

  • About PrivacyGuard
  • Products
  • Costs
  • Security
  • Pros & Cons

What is PrivacyGuard?

privacy guard logoPrivacyGuard is a paid service that provides identity protection and credit reporting and monitoring.

They aim to keep the user’s important data secure to prevent fraud and identity theft.

PrivacyGuard is part of the Trilegiant Cooperation and is based out of Stamford, CA.

Their services are certified by Norton, ISO, and the PCI Security Standards Council.

What Does PrivacyGuard Offer?

PrivacyGuard offers an extensive list of anti-fraud and credit reporting services. They sell three different data protection packages.

PrivacyGuard ID Protection Plan

PrivacyGuard’s identity protection package protects against identity theft, with a promise of $1 million identity theft insurance to back them up.

This package contains a variety of features that monitor your information and provide you with any assistance you need if any of your data is compromised.

Their ID Protection service includes black market web surveillance and web browser security. They monitor the use of your ID information online, in case it was entered by someone that might not have been you.

PrivacyGuard also runs checks to see if your social security number was entered for any purposes, or if any public records were changed in your name.

These measures protect you against any damaging reports from actions that you did not commit.

PrivacyGuard also offers free educational resources so you can better protect your personal information.

They release studies that show how many people compromise their data without realizing it, by making purchases on public Wi-Fi, shopping online with a debit card, or allowing their payment details to be saved on multiple sites.

PrivacyGuard Credit Protection

Their credit reporting pulls from all three credit bureaus: TransUnion, Equifax, and Experian. This allows the highest possible accuracy for Vantage scores.

PrivacyGuard’s interface will also show you how your scores have changed since your last report, telling you how many points were increased or decreased according to each credit bureau.

PrivacyGuard includes educational features that help you understand how to interpret your credit report. This software is supported by credit monitoring so that you can see if any fraudulent activity or errors have occurred.

In the case of an error or fraud, PrivacyGuard will offer assistance to resolve the problem. This service is accessible through their toll-free hotline.

PrivacyGuard Total Protection Plan

PrivacyGuard offers a total protection plan that is considered their comprehensive package offering all features included in both the ID Protection Plan and the Credit Protection Plan.

How Much Does PrivacyGuard Cost?

That depends on the service. PrivacyGuard offers a $1 trial that lasts for two weeks. If you are satisfied with this trial, you can sign up for one of their three offers.

PrivacyGuard ID Protection Plan

For $9.99/month, you can subscribe to ID protection. This service includes a mobile secure keyboard and browser, ID fraud resolution support, black market web surveillance, lost & found assistance, and up to $1 million identity theft insurance.

PrivacyGuard Credit Protection

Their credit monitoring and reporting services lack these identity protection features, sold at $19.99/month. These services include monthly credit scores, credit score simulators, 24/7 credit monitoring, fraud resolution support, and secure mobile keyboard and browsing.

PrivacyGuard Total Protection Plan

For a complete service that includes all ID protection and credit reporting and monitoring services, you can opt for the Total Protection subscription at $24.99/month.

In comparing PrivacyGuard’s paid subscriptions to those of Credit Sesame, PrivacyGuard does offer some features that Credit Sesame does not. PrivacyGuard promises up to $1 million in identity theft insurance. They also include a credit simulator and financial suite calculator in their credit reporting package. PrivacyGuard additionally provides low pre-approved credit card offers for their subscribers.

PrivacyGuard is among the more expensive services. For instance, Credit Sesame’s Platinum service is sold for only $19.95/month, $5 less than what PrivacyGuard offers for its parallel Total Protection service.

(Rates updated as of 12/24/20)

Is PrivacyGuard Safe?

Yes, PrivacyGuard has been accredited by Norton, ISO, and the PCI Security Standards Council.

Pros and Cons of PrivacyGuard

One major benefit to PrivacyGuard is that users can try the software for two weeks before deciding to subscribe. The trial period is only $1. This gives customers some time to become familiar with the system, and to compare its features with those of similar programs.

One downside to PrivacyGuard is that it does not include antivirus protection, and cannot keep watch on your bank account activity. On the other hand, PrivacyGuard gives you the option to select packages focusing on only identity or credit protection, if you do not feel the need to pay $24.99/month for both.

Should You Use PrivacyGuard?

Yes, we think a plan such as PrivacyGuard includes many additional features that free credit reporting and monitoring systems do not have:

3 Credit Bureau Reporting

For example, triple-bureau credit reports and daily monitoring are only available through paid services like PrivacyGuard.

A unique aspect of PrivacyGuard’s credit reporting is that it shows you how your scores have changed from month to month. PrivacyGuard notes the increase or decrease in your credit ratings, according to each of the three credit bureaus.

Hotline Assistance

They also have a hotline available to assist with fraud or identity theft, a feature that is not guaranteed with a free interface. PrivacyGuard’s extended ID protection monitoring is another factor that separates it from other software products that do not require a paid subscription.

PrivacyGuard promises a hotline with devoted representatives. These employees can help answer customers’ questions regarding their credit scores, or any detected fraudulent activity. This feature is not necessarily unique to PrivacyGuard however, as Credit Sesame also offers 24/7 live support.

Extra Resources

Useful resources so that clients can better learn how to improve their credit ratings, and protect their important data are another bonus. Some of this data, including studies, is available to the public on their website.

All in all, PrivacyGuard may not be best for those on a budget as there many similar services available for free, but it can be a valuable resource for those more focused on identity protection.

Identity guard logo

Identity Guard Review

Is Identity Guard the right security product for protecting your sensitive information in this age of rampant identity theft?

Our Identity Guard Review will answer this question by telling you what security features this product offers, how much it’ll cost you, and more.

Table of Contents:

  • What Is Identity Guard?
  • How Identity Guard Works
  • Security Features
  • Cost
  • How to Register
  • Is Identity Guard Safe?

But first, let’s take a look at what exactly Identity Guard is.

What Is Identity Guard?

Identity guard logoIdentity Guard is a specialized product for shielding individuals and families against the scourge of identity theft. It accomplishes this by monitoring and securing the use of your sensitive information online.

Identity Guard uses IBM’s Watson, a powerful AI, to automatically scan the internet 24/7/365 for signs of any suspicious activity involving your data.

Identity Guard Services

With Identity Guard, you also get:

  • Social insight reports
  • A personal risk management score
  • Identity theft insurance
  • Credit scores and reports
  • Notifications of high-risk transactions
  • Dark web monitoring
  • And more (depending on the product plan you opt for)

How Does Identity Guard Work?

IBM’s Watson is a powerful tool that enables Identity Guard to scan through large amounts of data quickly to catch suspicious activity involving your details. You will be alerted the moment any red flags are spotted so that you can take effective, preventive measures to avert damage.

Watson’s robust scanning is combined with traditional monitoring methods to deliver more comprehensive protection against the various tactics identity thieves now use. This process includes professionals scanning and monitoring the dark web to make sure no one is trying to sell or use your personal information.

If you end up becoming a victim of identity theft, Identity Guard can help you minimize the damage and speedily recover through its easy recovery services. The company will assign you a personal case manager who will provide you with expert guidance from start to finish on how to best restore your identity.

Identity Guard also provides a comprehensive $1 million insurance policy that compensates you for your stolen funds and finances your recovery.

Get Started With Identity Guard

Identity Guard Security Features

The level of protection offered by Identity Guard depends on the plan you opt for.

The following security features are standard on all Identity Guard plans:

  • $1 million insurance with stolen funds reimbursement
  • A dedicated case manager
  • Risk management score
  • Monitoring of high-risk transactions
  • Anti-phishing mobile app
  • IBM Watson Artificial Intelligence (which detects personal threats)
  • Mobile application for monitoring your protection

You can opt for either the family package or the individual package. Under either package, you get to choose the Value plan (the least expensive), the Ultra plan (the most expensive), or the Total plan (mid-range price).

The plans under the family package cost more than those under the individual package because they cover more parties.

The Value Plan

It’s a suitable option for those who require extensive monitoring for identity protection. In addition to what’s mentioned above, its features include:

  • Safe Browsing Tools
  • Anti-Phishing Mobile App
  • Dark Web Monitoring and alerts for you and your child’s credit
  • High-Risk transaction alerts
  • Risk Management Report
  • Potential social media cyberbullying alerts

The Ultra Plan

It offers a higher degree of identity protection by offering the standard features, the Value pack features, and more. This plan includes credit information safeguarding features.

  • Social Insight Report
  • Address Monitoring
  • Monthly Credit Score
  • Credit Monitoring by Equifax, TransUnion, and Experian
  • Tax Refund Alerts
  • Credit Score and Report
  • Fraudulent bank account opening and takeover Alerts

Aside from the individual and family packages, Identity Guard also offers protection for businesses and their employees. By providing its business clients with data breach readiness tools, Identity Guard gives businesses the tools they need to recover from an incident involving its employees.

Employees of a business that signs up for Identity Guard also get identity theft prevention software.

How Much Does Identity Guard Cost?

Identity Guard offers its identity theft protection services in a variety of plans, enabling customers to find one that best matches their needs and budgets easily.

Depending on if you choose to go for a family package or individual package, as of 1/4/21 the prices are:

Identity Guard Individual Plan

  • Value Plan costs $8.99 per month
  • Total Plan costs $19.99 per month
  • Ultra Plan costs $29.99 per month

Identity Guard Family Plan

  • Value Plan costs $14.99 per month
  • Total Plan costs $29.99 per month
  • Ultra Plan costs $39.99 per month

If billed annually, instead of monthly, you get to save 17 percent on any plan you choose.

How to Register with Identity Guard

Registering for Identity Guard’s services is easy and can be completed in five simple steps:

  1. Sign up by picking a plan and providing your information.
  2. Set up your watchlist, which is where you state the exact personal data you’d like monitored and secured.
  3. The company provides you with tips on how to better protect your information and manage risks.
  4. Receive alerts via email or text immediately regarding any suspicious activity involving your data.
  5. Restore your identity with the aid of Identity Guard’s experts.

Get Started With Identity Guard

The many security features this product offers are fantastic. But our Identity Guard review revealed that it lacks certain other features that are available from competing products. For example, Identity Guard doesn’t track sex offender registries or monitor court records to catch offenders trying to use your identity to hide theirs.

Identity Guard may be lacking in certain aspects, but the services it offers it performs competently.

Is Identity Guard Safe?

Identity Guard is a safe product to use, and it’s competent at keeping you safe in the face of an identity theft attack. You will receive alerts on your mobile device as soon as Identity Guard catches anything suspicious involving your data. Notifications will be sent to indicate the use of your personal information on the dark web or the unauthorized use of your information for credit or bank transactions.

Comprehensive monitoring and security are further guaranteed thanks to IBM’s state of the art Watson AI.

Should You Use Identity Guard?

Based on our Identity Guard review, this is an excellent choice if you’d like to minimize your risk of falling victim to identity theft.

It’s easy to use, reports come in fast, and you get to pick a plan that best suits your budget and needs.

But if what you want is an identity theft product that actively helps you restore your stolen identity, then maybe this product isn’t for you.

identity force logo

IdentityForce Review

The threat of identity theft is ever-present in today’s society, and there are a variety of security products out there that claim they can protect you.

But which of these security products is the right one for you?

IdentityForce claims to be a leading identity theft prevention and recovery product.

By the end of our IdentityForce Review, you’ll know for sure how good it is at its job and if it’s the right product for your security needs.

Table of Contents:

  • About
  • Features
  • Cost
  • Security

What Is IdentityForce?

identity force logoIdentityForce is an identity theft protection product from Sontiq. It’s designed to protect users by monitoring their personal data online and deleting it from suspicious platforms.

It also provides malware protection, bank and credit card alerts, and more.

The product is suitable for individuals, families, and businesses. It works 24/7 to identify if your data is being suspiciously transacted with, or used in any other way that may compromise you.

Once any suspicious activities regarding your data are discovered, you’ll be immediately contacted by IdentityForce so that you can take necessary preventive measures.

Some of the sensitive data IdentityForce monitors and protects include bank and credit card information, PIN numbers, home address, and more.

In the event an IdentityForce user falls victim to identity theft, the company assigns certified professionals to the victim to help them recover their stolen information and repair the damage.

The quick and effective response of IdentityForce to incidents of identity theft greatly helps its clients minimize the potential damage of such an event. Its recovery services also minimize the time and cost it typically takes to recover from the consequences of identity theft.

Protect Your Credit Today!

What Does IdentityForce Offer?

Our IdentityForce review looks into the product’s four layers of protection – monitoring, alerting, controlling, and recovering.

  • Monitoring: It monitors your data and ensures that those who may harm you have no access to it.
  • Alerting: It alerts you immediately if it notices your data has been compromised and you are under the threat of identity theft.
  • Controlling: It controls data breach incidents by guiding you toward taking effective preventive measures.
  • Recovery: If identity thieves have successfully stolen and used your sensitive information, IdentityForce helps you minimize the extent of the damage and recover.

IdentityForce is available in a variety of plans to meet the unique security needs of customers.

Depending on the level of protection you require, and your budget, you can opt for one of these plans:

IdentityForce Plan Options:

  • Ultrasecure Plan
  • Ultrasecure+Credit Plan
  • Child Watch Plan
  • Business Plan

UltraSecure Plan

The UltraSecure plan is the most basic form of protection you can get from IdentityForce. With the plan, you get 24/7 monitoring of your personal information and immediately receive alerts if you are compromised.

Other features of the plan include, but not limited to:

  • $1 million identity theft insurance
  • Toll-free customer service
  • Fully managed restoration if you are a victim of identity theft
  • Monitoring of suspicious changes to your address and advanced fraud
  • Monitoring of court records to ensure an arrested person doesn’t use your identity to hide theirs
  • Dark web monitoring to ensure your personal information isn’t being sold online
  • Sex offender monitoring, which notifies you if a registered sex offender is in your area
  • Social media monitoring, which notifies you if your personal information is being suspiciously used on social media platforms
  • Payday loan monitoring
  • Medical ID fraud and online PC protection. PC protection shields users’ Windows systems against malicious browser plug-ins, phishing attacks, keylogging malware, and other cyber attacks
  • Bank and credit card alerts if there is a suspicious activity involving your bank or credit card details
  • Smart SSN tracker and junk mail opt-out
  • Lost wallet assistance, which facilitates the blocking of lost bank cards and recovery of an ID lost with a wallet

The downside of this plan is it doesn’t offer any features for credit monitoring or reporting.


UltraSecure+Credit provides all the same features and benefits as UltraSecure, but it offers greater identity theft protection by also providing credit monitoring from the three national credit bureaus – Equifax, Experian, and TransUnion.

You’ll also have access to credit scores, reports, a credit score simulator, and more. These extra features mean the UltraSecure+Credit plan costs more.


Child identity theft is now a common strategy among identity thieves. With your child’s social security number, an identity thief can open bank and credit card accounts in your child’s name, apply for government benefits, a cellphone account, loans, utility services, and more. Such an attack can destroy your child’s credit score and go unnoticed for years.

IdentityForce helps minimize the risk of such an attack with their ChildWatch program, which monitors the personal information of your child and alerts you if there’s any suspicious activity regarding it.

It is an additional service that can be added to your Ultrasecure or UltraSecure+Credit plan for a fee. You can choose a Family Plan Option, which covers two adults and all your kids. Or, choose a per-child protection plan.

If providing IdentityForce as a benefit to your employees, ChildWatch is accessible for free.

Business Protection

IdentityForce also offers an identity theft protection plan for business employees and customers.

It’s cost-effective and greatly reduces the risk of a data breach with services like the monitoring and protection of:

  • Retail transactions
  • Online payments
  • Social media activity
  • Medical record
  • Email communication
  • And more

How much does IdentityForce Cost?

IdentityForce isn’t as cheap as many of the other identity theft protection products. But it does offer greater security than most.

As of 1/4/21, the UltraSecure plan is available for $15.99 per month, or pay annually and get 2 months free, for a total of $159.90/year.

The UltraSecure+Credit plan offers greater security, which costs extra at $31.99 per month or pay annually and get 2 months free for a total of $319.90/year.

Is IdentityForce Safe?

Thanks to its various security features and its two-factor authentication that provides extra security to users, IdentityForce is very safe and considered one of the best identity-protection products.

It’s an effective solution for securing against phishing attacks, information-stealing malware, and many of the other tactics today’s identity thieves use.

Should You Use IdentityForce?

If you’d like to keep a close eye on what’s going on with your identity or credit, or that of your family or employees, IdentityForce is a great choice. It searches through the dark web, social media, and other locations to ensure that your sensitive information isn’t in the hands of people that may harm you.

Its early warning system sends an alert to your smart device or computer the moment illegal selling of your personal, financial, or credit information is detected. And if you become a victim of identity theft, IdentityForce’s team of experts is available with round-the-clock recovery services to help you set things right.

The product may cost more than many of its competitors, but based on our IdentityForce Review, the extra price is well worth the peace of mind that comes with the scale of protection IdentityForce provides.

LifeLock Review

Did you know that one in four people will become a victim of identity theft at some point?

That’s hardly surprising, given the fact that so much of our lives now take place online, including communications using social media, shopping, web browsing, accessing financial institutions, and even investing.

Bottom line, a thief only needs to get access to your computer or cell phone, and he can get all the information needed to access your existing financial accounts, apply for new credit in your name, or even impersonate you in getting a job or worse, committing a crime.

The threats are all around and are growing each year. A service like LifeLock provides what is perhaps the greatest level of protection offered by any single ID theft service in the industry.

Table of Contents:

  • What is LifeLock?
  • How Does LifeLock Work?
  • LifeLock Plans
  • LifeLock Junior
  • Features & Benefits
  • How to Sign Up
  • Pros & Cons
  • Is LifeLock for You?

What is LifeLock?

Once purchased by Symantec and by working with NortonLifeLock, one of the most respected names in Internet security, they can protect your computer and mobile devices from identity thieves – and a whole lot more.

They also provide alerts for activity in connection with your credit, banking, Social Security number (SSN), and even your home address.

And if all else fails, each plan they offer has an insurance package that will reimburse you for financial losses sustained as a result of identity theft.

Each plan also comes with a degree of credit monitoring services. It’s minimal on the most basic plan, but fairly comprehensive on the premium plan.

Since LifeLock provides so many different services, it can be less expensive than if you had to pay for each of those services individually.

LifeLock Company Overview

LifeLock is perhaps the best-known of all identity theft protection services available.

This is likely because the company advertises heavily on TV and the Internet. Based in Tempe, Arizona, the company was founded in 2015. They currently claim they have over 5 million customers.

LifeLock may be the most comprehensive online Identity guard and identity theft protection service available.

Not only do they provide basic Internet security from malware and provide antivirus software, but they also provide safeguards to protect your identity in everything from your physical address to your investment accounts. And if your identity is stolen as a Lifelock member, they can help you restore it, and even provide insurance to cover your financial losses.

They do caution however, that they are not a credit repair service. But that may be the one service LifeLock doesn’t provide.

LifeLock offers three different plans, all of which come with credit monitoring. But two of the plans provide additional credit services to help you further monitor your credit. They also offer credit-related alerts, to let you know any time your name is associated with a credit-related event, such as an application for new credit or a data breach violation.

LifeLock Company Ratings

  • LifeLock has a Better Business Bureau rating of “A-” (on a scale of A+ to F), and though it isn’t BBB accredited, the bureau has kept a file on the company since 2005.
  • It gets four stars out of five with Trustpilot, with a TrustScore of “7.2” (with 10 being the highest rating), based on 38 reviews.
  • LifeLock has one star out of five on Yelp based on five reviews.

Get Started With LifeLock

How Does LifeLock Work?

LifeLock starts with a limited credit monitoring capability. They offer three different plans and pricing, each coming with a different level of credit services. As a Lifelock annual member, you are entitled to a 60-day money-back guarantee.

Each of the three plans offers credit monitoring, but the two premium plans also provide a copy of your annual credit report and credit monitoring for up to three credit bureaus (Transunion, Equifax, and Experian).

In the process, they also monitor and report misuse of your Social Security number, suspicious activity with your bank accounts and credit cards, and alerting you of crimes committed in your name. One plan even provides activity alerts for your 401(k) and investment plans.

24/7 Customer Support

In the event your identity is stolen, they provide 24/7 member support, as well as US-based identity restoration specialists who can help you go about the often complicated process of restoring your identity. They even provide lost wallet protection on all three plans, to minimize the damage should your wallet be lost or stolen.

Other credit-related services include Dark Web monitoring (the Dark Web is where stolen identity information is typically bought and sold), alerts on any changes in your usps address, and data breach notifications. Two of the plans also offer account fraud alerts for your checking and savings accounts, sending you texts or phone calls in the event of a breach.

Security for 5+ Devices

Each plan provides security for at least five devices, including computers, tablets, and mobile devices. Each offers a different level of PC cloud backup storage, as well as a 100% virus protection promise and parental controls.

LifeLock provides you with a VPN for five or more devices. This is a valuable service by itself since it is typically available as a standalone product, paid for on a monthly basis. VPN services mask your online identity, enabling you to browse anonymously, protecting you from monitoring by unauthorized parties who may attempt to steal your identity while you are online.

The LifeLock Million Dollar Protection Package

Each of the three LifeLock plans comes with the Million Dollar Protection Package.

It starts with coverage for lawyers and experts for up to $1 million on all three plans.

But it also has stolen funds reimbursement, ranging from $25,000 up to $1 million, and compensation for personal expenses that credit card companies or banks refuse to cover, also ranging from $25,000 up to $1 million.

LifeLock recognizes that the damage from identity theft can never entirely be prevented. But with the Million Dollar Protection Package, you can receive financial compensation for losses sustained as a result of a theft.

3 Plans Offered by LifeLock

To accommodate different customer needs and budgets, LifeLock offers 3 different plans: Lifelock Standard, Lifelock Advantage, and Lifelock UltimatePlus.

Each of the plans comes with the following data security benefits:

  • US-based identity restoration specialists
  • 24/7 live member support
  • Identity and social security number alerts
  • Lost wallet protection
  • US Postal Service address change verification
  • Dark Web monitoring
  • Data breach notifications
  • 100% virus protection promise
  • Parental controls
  • Anonymous browsing (the VPN service)
  • Ad-tracker blocker
  • PC SafeCam

Each plan also comes with Internet security provided by Norton as part of the plan. That will eliminate the need to maintain a separate Internet security system on your computers or mobile devices.

1. LifeLock Select

For $9.99 per month for the first year (then $14.99 per month), the Select plan provides the following services:

  • Social Security number alerts
  • Security for up to five devices
  • VPN for up to five devices
  • Reimbursement for stolen funds and personal expenses of up to $25,000
  • Coverage for lawyers and experts up to $1 million
  • One-bureau credit monitoring
  • PC cloud backup for up to 100 GB

Sign up for LifeLock Select

2. LifeLock Advantage

For $17.99 per month for the first year (then $24.99 per month), the Advantage plan provides the following services:

  • Social Security number alerts
  • Credit, checking and savings account activity alerts
  • Security for up to 10 devices
  • VPN for up to 10 devices
  • Bank activity alerts
  • Credit card activity alerts
  • Alerts on crimes in your name
  • Reimbursement for stolen funds and personal expenses of up to $100,000
  • Coverage for lawyers and experts up to $1 million
  • One-bureau credit monitoring
  • Annual credit score
  • Fictitious identity monitoring
  • PC cloud backup for up to 250 GB

Sign up for LifeLock Advantage

3. LifeLock Ultimate Plus

For $25.99 per month for the first year (then $34.99 per month), the Ultimate Plus plan provides the following services:

  • Social Security number alerts
  • Credit, checking and savings account activity alerts
  • Security for unlimited devices
  • VPN for unlimited devices
  • Bank activity alerts
  • Credit card activity alerts
  • Alerts on in your name
  • Annual credit reports from all three-bureaus
  • Annual credit score
  • Investment and 401(k) activity alerts
  • Reimbursement for stolen funds and personal expenses, and compensation for lawyers and experts of up to $1 million
  • Three-bureau credit monitoring
  • Monthly one bureau credit score tracking
  • Fictitious identity monitoring
  • Bank account takeover alerts
  • File-sharing network searches
  • Sex offender registry reports
  • PC cloud backup for up to 500 GB

Sign up for LifeLock Ultimate Plus

LifeLock Junior for Children

Many people mistakenly believe credit monitoring and identity theft protection aren’t needed for children, but that’s not the case.

Children often make easier targets for identity theft precisely because they don’t have a credit profile.

A thief only needs to obtain their name, address and Social Security number to engineer an identity theft that may not be detected until the child turns 18 and makes an application for credit, a job, or college.

That’s why LifeLock offers LifeLock Junior. For $5.99 per month, it will provide the following protections for your child:

  • LifeLock Identity Alerts
  • Dark Web monitoring
  • Lost wallet protection
  • Stolen funds reimbursement up to the limits of your plan
  • Credit file detection, to determine if any credit information is associated with your child’s identity
  • Identity restoration support
  • File-sharing network searches

LifeLock Features and Benefits

The LifeLock 60 Day Guarantee

If you are not satisfied with the service for any reason, you can cancel it within 60 days for a full refund. The refund applies only if you have paid for service on an annual basis. If your subscription is monthly, you will be charged for each month in which the service was rendered.

Devices Protected by LifeLock

The service is available for computers, tablets, and mobile devices. It works with the current and previous two versions of Mac OS, as well as Windows operating systems, including Microsoft Windows 7 with Service Pack 1 or later, and all versions of Windows 8, 8.1 and 10. It’s available for mobile devices as indicated below.

LifeLock Mobile App

You can stay connected with LifeLock through their mobile app. It’s available at Google Play for Android devices 4.2 and up, and at The App Store for iOS devices, 9.3 and later. It’s compatible with iPhone, iPad, and iPod touch.

Customer Service

Customer contact is available by toll-free phone, 24 hours a day, 7 days a week. They also offer a Member Portal, providing a self-service option with quick answers to the most common questions.

How to Sign up with LifeLock

To be eligible to sign up with LifeLock, you must be at least 18 years old and a US resident. Your minor children can be included in your plan, but they cannot enroll individually.

LifeLock will request the following information:

  • Your full name, and that of any family members who will be added to your plan
  • Email address
  • Home address
  • Your date of birth
  • Social security number
  • Your phone number
  • You will also be required to provide similar information for any family members who will be part of your plan. LifeLock will verify your identity with a valid driver’s license. For billing purposes, you will be required to put a credit card on file.

Pros & Cons


  • LifeLock is fully comprehensive. You will not need to maintain separate services for credit monitoring, identity protection, VPN or Internet protection. All three LifeLock plans provide all services.
  • You’ll pay a flat monthly or annual fee. There’ll be no additional fees for add-on services.
  • 24/7 customer service means you’ll be able to connect with LifeLock at any time the need arises.
  • The restoration services provided by LifeLock will work with you to minimize the damage from identity theft, as well as to restore your identity.
  • The Million Dollar Protection Package provides up to $1 million for stolen funds reimbursement, personal expense compensation, and coverage for lawyers and experts. That will protect you from the financial fall out of having your identity stolen.
  • LifeLock goes beyond credit monitoring, and also monitors the Dark Web, provides data breach notifications, change of address notifications, and unauthorized use of your Social Security number, and bank and investment accounts.


  • As comprehensive as the LifeLock program is, they don’t offer credit repair. If that’s the service you’d like to have, you’ll need to work with another id theft provider.
  • The monthly payment for each of the three service plans is quoted for the first year only. After that, the monthly fee for each plan will increase by $5. You can get cheaper services with other companies like IdentityForce.
  • To get full credit and credit monitoring protection, you’ll need to select the premium Ultimate Plus plan. The other two plans, particularly LifeLock Select, provide only the most basic credit monitoring capabilities.
  • The service can be expensive for an entire family. You’ll have to take a subscription for each adult, as well as enroll each child in the LifeLock Junior plan. For two adults and two children, that will be $31.96 per month.

Will LifeLock Work Best For You?

LifeLock can work well for anyone, but it’s best suited to those who want comprehensive protection on nearly all fronts, and are willing to pay for that protection.

The real strength of LifeLock is the variety of services they offer. The program comes with Norton 360 protection for your computers and mobile devices.

But they also offer credit monitoring, identity restoration services, insurance coverage to protect you from financial losses, and VPN services to provide safe online browsing.

If you had to pay for each of those services individually, it would likely exceed the monthly cost you will pay for even the LifeLock Ultimate Plus plan.

Where LifeLock seems strongest is in his restoration services. The time to get identity theft protection is always before the theft occurs.

No service, not even LifeLock can guarantee that your identity will never be stolen. But if it ever is, it can be a nightmare to fix.

LifeLock works with you through the whole process, providing you with restoration specialists to help you do what’s needed, then offers insurance to cover financial losses sustained as a result of the theft.

If you’re primarily interested in credit monitoring or credit repair, LifeLock isn’t the most cost-effective program to use. First, they don’t provide credit repair at all.

Then their credit monitoring capabilities are modest compared to the competition. But if you’re looking for 360° protection, LifeLock is your go-to plan.

If you’d like more information, or you’d like to sign up for the service, check out the LifeLock website.

Identity guard logo

Best Identity Theft Protection

Since virtually all information is available somewhere on the web, identity theft affects millions of people each year, and is one of the fastest-growing of all crimes.

That’s why it’s become so important to get some type of identity theft protection.

To help you in that effort, we’ve identified 10 of the best identity theft protection companies on the market.

Scan through the list, choose the company that will best meet your identity protection needs, and sign up. You should think of identity theft protection as a form of insurance – the time to get it is before you need it.

Top 10 Best Identity Theft Protection Services

Here are the 10 best ID theft protection services you could start using today:

  1. Identity Guard
  2. LifeLock
  3. Experian
  4. IdentityForce
  5. ReliaShield
  6. Credit Sesame
  7. MyIDCare
  8. IdentityIQ
  9. Lex on Track
  10. Identity Protect

1. Identity Guard

Identity guard logoOne of the best-known competitors in the industry, Identity Guard was launched in 1996, and has provided protection for more than 47 million consumers.

What makes Identity Guard unique is its partnership with IBM Watson. Watson is artificial intelligence applied to identity theft protection.

Artificial intelligence is so sophisticated that it’s comparable to the human brain. It acts as an early warning system that continuously scours billions of data points to discover vulnerabilities.

You’ll be alerted when any risk presents itself. It may be the single greatest advance in identity theft protection to date.

Identity Guard Plan Types:

Identity Guard offers three different plans, ranging from $7.50 per month to $25 per month, depending on the protection level and payment option you desire. Each plan incorporates IBM Watson AI.

  • The Value Plan: at $8.99 per month, includes a risk management report, dark web monitoring, safe browsing tools, and an anti-phishing mobile app.
  • The Total Plan: at $19.99 per month, includes all the same services, but also provides your monthly credit score, address monitoring, and tax refund alerts.
  • The Premier Plan: at $29.99 per month, provides all the services of the Total plan, but adds your credit score and credit report, as well as your social insight report. (The social insight report analyzes your Facebook timeline, and provides an assessment of your online image as well as recommended actions to improve it through Watson.)

Identity Guard is clearly on the cutting edge of identity theft protection technology.

View Rates with Identity Guard

2. LifeLock

lifelock logoFounded in 2005, and serving more than 5 million customers, LifeLock may be the best known of all identity theft protection services, if only because of its frequent TV ads.

The service works in conjunction with Norton, which enables it to monitor your credit as well as protect your devices from cyber attacks.

Using Norton 360, you’ll be protected from ransomware, viruses, phishing, spyware, and online scams.

Meanwhile, LifeLock monitors your credit, including credit file activity, online loans, unauthorized US post office address changes, online payday loans, and provides monitoring of your information on the Dark Web. (Dark Web monitoring is particularly important since that’s the corner of the Internet where personal information is bought and sold.)

If you do become a victim of identity theft, LifeLock will work with you to resolve the problems. They’ll even reimburse stolen funds up to the limit offered by your particular plan.

LifeLock offers three different plans, ranging from $9.99 per month to $29.99 per month. Each plan comes with Norton 360.

LifeLock Plan Types:

  • LifeLock Select: $9.99 per month, comes with Social Security number and credit alerts, security for up to five devices, VPN for up to five devices, and up to $25,000 in reimbursement for stolen funds.
  • LifeLock Advantage: $19.99 per month, provides security and VPN for up to 10 devices, bank and credit card activity alerts, alerts on crimes in your name, and up to $100,000 in reimbursement for stolen funds.
  • LifeLock Ultimate Plus: $29.99 per month, provides security and VPN for unlimited devices, Social Security number, and credit alerts, bank, and credit card activity alerts, alerts on crimes in your name, annual three-bureau credit reports and credit scores, 401(k) and investment activity alerts, and up to $1 million reimbursements for stolen funds.

View Rates with LifeLock

3. Experian

Experian logoOne of the three major credit bureaus, Experian offers one of the most comprehensive identity theft protection packages in the industry.

For $19.99 per month, you get identity theft monitoring, alerts and dark web surveillance, three-bureau FICO scores and credit monitoring, fraud resolution, and up to $1 million in ID theft insurance.

You can also easily lock and unlock your credit file with Experian CreditLock.

And since Experian is a credit bureau, your credit report will be updated every 30 days. They also give you the ability to dispute inaccuracies on your credit report directly through the platform.

If you’re interested in improving your credit and your credit score, Experian is certainly the service you want to sign up for.

View Rates with Experian

4. IdentityForce

identifyforce logoIdentityForce has been involved in identity theft protection for more than 40 years and claims a 100% recovery success rate in stolen identity-related events.

They have millions of customers, including large global corporations as well as the US government.

The service is available for both personal and business identity theft protection.

IdentityForce Plan Types:

  • UltraSecure: $17.99 per month or $179.90 per year, and comes with monitoring of fraud, change of address, court records, dark web, payday loans, sex offender, and social media monitoring. It also offers bank and credit card activity alerts, a social security number tracker, medical ID fraud protection, identity theft insurance of up to $1 million, and other protections.
  • UltraSecure+Credit: $23.99 per month, or $239.90 per year, and comes with all the benefits of UltraSecure, plus three-bureau credit reports and credit monitoring, as well as three-bureau credit scores.

Like Experian, IdentityForce provides a high level of credit reporting and monitoring.

And each plan also offers ChildWatch to add identity theft protection to your children, and at no additional cost.

View Rates with IdentityForce

5. ReliaShield

reliashieldReliaShield isn’t one of the larger identity theft protection services, offering coverage to just over 1 million members. But it has the advantage of offering a lower pricing structure than its competitors.

The service provides protection against various types of identity theft, including financial, medical, Social Security and employment fraud; medical ID theft, criminal ID theft, and child ID theft. They also monitor your personal financial information and provide alerts when changes occur. And as a ReliaShield customer, you have up to $1 million in coverage for stolen funds and personal expense reimbursement.

ReliaShield Plan Types:

  • Essential: at $7.99 per month, or $87.99 per year, providing all the services described above.
  • Prime: at $14.99 per month, or $164.99 per year, providing all the services of the Essential plan, but adding non-credit loan monitoring, neighborhood predator monitoring, social media monitoring, and single bureau credit monitoring (through Experian).
  • Elite: at $21.99 per month, or $241.89 per year, providing all the services of the Prime plan, plus a monthly credit score tracker, bank account takeover notification, new bank account, and credit card application notifications, as well as three-bureau credit monitoring.

View Rates with ReliaShield

6. Credit Sesame

credit sesame logoThe essential word/concept with Credit Sesame is free, as in free service. How free are we talking?

You don’t even need to put a credit card on file to join the service. Credit Sesame isn’t as comprehensive with identity theft protection as the other services on this list, but it’s one of the top competitors in the area of credit monitoring.

Credit Sesame enables you to access your free credit score, complete with credit profile information. This is not the same as a formal credit report, but it will provide you all the necessary information that goes into making up your credit score.

The credit score comes from TransUnion, one of the three major credit bureaus.

As a credit centered service, it will also help you to better understand your credit, as well as the factors that determine your credit score. They even present various credit offers to help you better manage your existing credit.

Credit Sesame Identity Theft Protection works by enabling you to stay on top of developments with your credit on an ongoing basis.

Since they provide credit monitoring alerts on a daily basis, you’ll know exactly what’s happening with your credit, giving you the ability to act quickly. The service also comes with $50,000 in identity theft insurance, as well as live access to identity restoration specialists.

That will give you the benefit of both direct assistance as well as financial coverage in the event your identity is compromised.

View Rates with Credit Sesame

7. MyIDCare

myidcare logoUpdate: As of October 15, 2020, MyIDCare is now known as IDX Identity. Read More.

Unlike Credit Sesame, MyIDCare isn’t a free service, but they do give you a full 60 days to try out the service before committing. The service specializes in credit monitoring, including alerts of credit inquiries or address changes, scanning the dark web, and providing both recovery assistance and a guarantee.

Like other services on this list, MyIDCare also provides monitoring of both the Internet and the dark web, Social Security fraud, court records, change of address, and payday loans. Trained experts provide unlimited advice to help you resolve any identity theft issue.

The service also comes with up to $1 million in insurance to reimburse you for out-of-pocket expenses related to recovery.

MyIDCare also adds a “100% Recovery Guarantee or Your Money Back” policy.

MyIDCare Plan Types:

  • The Essentials Plan: available at $8.46 per month, and provides all the benefits above, plus single bureau credit monitoring.
  • The Premier Plan: available at $16.96 per month, and comes with all the benefits of the Essentials Plan, but also adds your VantageScore 3.0 credit score (from TransUnion), Credit Lock by TransUnion and instant inquiry alerts that let you know when a lender is verifying your credit information. The Premier Plan also offers the SocialSentry Social Media Privacy and Fraud Protection feature, to help protect you from social media frauds and scams, account takeovers, impersonations, and inappropriate content.

View Rates with MyIDCare

8. IdentityIQ

identity iq logoIdentityIQ offers their best plan – the Secure Max plan – at $29.99 per month. And while it’s on the high end of the fee plans among the providers on this list, the coverage is incredibly comprehensive.

IdentityIQ starts with credit reporting and score alerts. You’ll get monthly reports and credit scores from all three major credit bureaus.

You’ll also get alerts of new accounts, new cleared users, and credit score changes. IdentityIQ monitors the dark web and changes in data related to your personally identifiable information.

They then provide a dedicated case manager for assistance with identity restoration, as well as up to $1 million in identity theft insurance. They even provide full identity theft restoration and up to $25,000 in theft insurance on your children at no additional cost.

If you want a lower cost plan, Secure Pro comes with all the same identity theft protection services, but issues only a bi-annual three-bureau credit report and credit scores, and does not include either fraud restoration or family protection. The Secure Pro plan costs $19.99 per month.

An even more basic plan – Secure Plus – is available at just $9.99 per month, with fewer services, and only an annual three-bureau credit report and score.

View Rates with IdentityIQ

9. Lex On Track

lex on track logoWhat makes Lex On Track unique is that it’s an identity theft protection service provided by a law firm – Lexington Law to be precise. That’s significant because Lexington Law is well known as a credit-related law firm.

That link is particularly important if you have credit problems. Lexington Law offers an opportunity to repair your credit. And there’s no better service to provide credit repair than a law firm.

They know consumer protection laws, and are experienced in dealing with creditors. They can help you with problems related to medical expenses, student loans, military service, divorce, and identity theft.

In fact, the firm reports it has helped more than 1 million people repair their credit.

Lex on Track Plan Types:

They offer a single plan, at $24.95 per month. That gives you your monthly FICO Score, as well as score analysis, personal financial tools, and up to $1 million in identity insurance.

Credit repair packages, if necessary, are available at monthly fees ranging from $89.95 per month to $129.95 per month. Each can help you repair your credit at whatever level you’re at.

View Rates with Lex On Track

10. Identity Protect

identity protect logoIdentity Protect uses what they refer to as “3-in-1” identity theft protection.

That’s a combination of military-grade password encryption, patrolling the dark web, and loss prevention backed by up to $1 million in insurance.

The insurance will reimburse expenses incurred in the recovery of your identity, including lost wages, legal fees and other costs.

Identity Protection Plan Types:

  • Basic: at $12.95 per month, includes one-bureau credit monitoring, credit fraud consultation, change of address and dark web monitoring, identity theft recovery specialists, Social Security trace reports, and insurance of up to $100,000.
  • Ultimate: at $19.95 per month, provides all features of the Basic plan, but includes your credit score and report from all three credit bureaus, social media monitoring, checking and investment account opening warning, court and criminal report monitoring, up to $1 million in insurance, and the ability to add your spouse and children and no additional cost.

View Rates with Identity Protect

Why You Need to Get Identity Theft Protection Now

Now that you’ve had an opportunity to check out 10 of the best identity theft protection services available, you need to choose one and sign up.

Like almost everyone else, you probably transact most business online. That, and the database compromises that are happening with increasing frequency, expose your information to potential theft on an ongoing basis.

As the saying goes, an ounce of prevention is worth a pound of cure. Identity theft protection is that ounce of prevention, that you’ll be able to have in place if your identity is stolen.

(rates are current as of 12/24/20)