About IdentityIQ
IdentityIQ services feature membership-based identity theft and credit protection. For a monthly fee, the company offers credit reporting and score delivery, credit monitoring, dark web monitoring, identity theft insurance and identity theft protection and restoration.
- Dark web monitoring
- SSN tracking
- Affordable plans
- Basic plans are limited
What is IdentityIQ protection and how does it work?
IdentityIQ services specialize in identity theft and credit protection. Once you sign up for a service, the company begins monitoring credit and online activity in your name to look for criminal activity. You receive alerts for suspicious activity and work with a restoration specialist if your identity is stolen.
The IdentityIQ four monthly membership options offer the following services:
- Credit monitoring: IdentityIQ credit monitoring alerts you to changes on your credit report. The company checks your report for inaccuracies and works with you to identify suspicious activity.
- Dark web monitoring: Identities and credit card numbers are often sold on the dark web. The IdentityIQ team monitors the dark web for mentions of your information, including your name, address and Social Security number.
- Identity protection: The IdentityIQ team notifies you when your Social Security number is used with an incorrect name or address. The company also monitors for criminal activity committed in your name.
- Application monitoring: Get notified when a credit application is taken out in your name. This includes services such as loans, utilities and cell phone contracts.
- Identity theft insurance: IdentityIQ identity theft coverage is available up to $1 million, underwritten by AIG. This coverage can help with lost wages, legal aid and stolen fund reimbursement.
- Identity restoration: If your identity is stolen, an IdentityIQ dedicated case manager can help restore your identity.
- Family protection: Unfortunately, children are often targets of identity theft, and these crimes typically get overlooked. With the family protection program under the IdentityIQ Secure Max Plan, you can monitor your child’s Social Security number and get up to $25,000 in insurance coverage underwritten by AIG.
- Credit reports and scores: No credit monitoring service would be complete without access to your credit score and credit reports. With IdentityIQ services, you can access your report up to 12 times each year, something many competitors don't offer.
IdentityIQ pricing
You can choose from four IdentityIQ plans: Secure, Secure Plus, Secure Pro or Secure Max. The plans provide varying coverage levels, but each one includes credit monitoring, internet and dark web monitoring and up to $1 million in stolen fund reimbursement underwritten by AIG.
IdentityIQ plans
| Cost | Credit Report Access | |
|---|---|---|
| Secure | $6.99 | |
| Secure Plus | $9.99 | Annually |
| Secure Pro | $19.99 | Biannually |
| Secure Max | $29.99 | Monthly |
IdentityIQ FAQ
Do the IdentityIQ plans monitor all three credit bureau reports?
How can I get a family protection plan?
How do I cancel IdentityIQ services?
Is there an IdentityIQ app?
Is IdentityIQ legit?
IdentityIQ services offer a variety of plans that suit most everyone’s needs, although its family protection feature is only available on its most expensive option. With up to $1 million in stolen fund reimbursement underwritten by AIG, daily monitoring and alerts, we think IdentityIQ services are a good option for anyone concerned about the security of their identity.
IdentityIQ Reviews
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- 4,592,734 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Dec. 13, 2024
I have been unable to contact anyone (as in, get ahold of anyone on the phone) to help resolve my issue and cancel my membership indefinitely based on this experience. For the past several months I have been double charged and paying for two memberships under the same account. I don’t understand how this happens and how hard it is to get ahold of someone. I figured this company had morals and wanted to help people get their credit back on track, but by charging an extra 29.99 a month? That’s the opposite of help. And I’m now reading they don’t offer refunds.
I highly doubt I’ll see that money back, even though I didn’t authorize the second charge nor sign up for a secondary service (why would I for the same account?). It’s a shame because they were helpful at first but now I feel taken advantage of and robbed when I’m trying to make my life better. I earn enough, but 29.99 is a tank of gas to get me to work. It makes a difference. Please steer clear and spend your money on trusted credit sites. You and your money deserve better. Photo example of this month.
Reviewed Dec. 9, 2024
I received a charge for 51 dollars from an account I closed 6 months earlier, I called the phone number of collection agency who bought that debt. They asked for a 1 dollar charge to look up who the account was. My mistake was giving it to them because they sign me up for a monthly subscription of 19.99 without my knowledge. I feel like this is a scam company that sneakily charges you without your knowledge and is a pain to close out. Scam Scam Scam.
Hello Brian, we are unable to locate your account based on the information provided. To sign up for our credit monitoring and identity theft services, members must provide personally identifiable information as well as answer security questions provided by the major credit bureaus.
We do have third-party partners who offer our services. However, these partners are required to be transparent about our memberships. If a third-party partner is not transparent when offering our services, that is a violation of our partner agreement.
Members have two predominant methods to cancel their services. This can be done by calling our Customer Care Team during business hours or, where available, clicking the cancel button from the member dashboard. Please call our U.S.-based Customer Care Team at 877-875-4347, if you need further assistance.
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Reviewed Dec. 4, 2024
Scam!! Was scammed through FB marketplace. Portrayed to help obtain a rental home. Thought I was paying an application fee and when I realized it was a trick and some sort of credit service, I immediately said I was not interested. A year later, I see unauthorized charges from Identity IQ on my bank statement. They would not refund my money. I had to change my bank account.
IdentityIQ is a BBB accredited business with an A+ rating. We are unable to locate your membership with the information provided. Please call our Customer Care Center at 877-875-4347, so we can assist.
Reviewed Dec. 1, 2024
Unfortunately, I used this service for a quick credit check to use for a room rental for my disabled son 12/2023. I called right after getting the check to cancel and I thought everything was taken care of until currently 12/2024 I got an email update from my bank of all the "recurring" payments from my account and IDENTITYIQ has been charging 34.99 every month for the last year! I called to give them the date I called to cancel and asked could they check their recordings to verify it. The representative said they would have to investigate it. I just got an email from them with a charge for this month!
I went to the website because it's after business hours, but the website would not take my log on information and there is current online information that says that the website is not working. So they don't actually cancel accounts when you call, their emails bounce back to say the mailbox is not monitored and refer you to their website, but their website log in is not working...meanwhile they keep taking the money from your account. This is not right.
Hello Karen, we are unable to locate your membership with the information provided. Members have two predominant methods to cancel their services. This can be done by calling our Customer Care Team during business hours or, where available, clicking the cancel button from the member dashboard. If you are having trouble logging in, click the "Forgot Username or Password" on the IdentityIQ website. Please call our U.S.-based Customer Care Team at 877-875-4347, if you need further assistance.
Reviewed Nov. 14, 2024
Stole my credit card number.... Don't know how they got it but trying to charge me for services. I'm sitting on hold for over 20 minutes to cancel something I have no idea how I signed up for. They representative would not let me cancel and kept telling me about benefits. And asking me for payment after I repeatedly stated I didn't have the money and that I'm a domestic violence victim and do not want the services, They hound you for your payment.
Hello Tyra, we are unable to locate your account based on the information provided. To sign up for our credit monitoring and identity theft services, members must provide personally identifiable information as well as answer security questions provided by the major credit bureaus.
We do have third-party partners who offer our services. However, these partners are required to be transparent about our memberships. If a third-party partner is not transparent when offering our services, that is a violation of our partner agreement.
Members have two predominant methods to cancel their services. This can be done by calling our Customer Care Team during business hours or, where available, clicking the cancel button from the member dashboard. Please call our U.S.-based Customer Care Team at 877-875-4347, if you need further assistance.
Updated review: Nov. 11, 2024
Customer service contacted me and resolved the issue directly and apologized for an inconvenience and refunded my payment.
Original Review: Nov. 1, 2024
This company was brought to me through a scam loan service to verify my identity so I signed up for the plan for the one dollar for seven days. I called the next day and canceled my account and they never canceled. I was charged after the seven days I called to complain. They canceled my account at that point in time and sent me a verification email this time, but refused to refund the amount, even though I had previously called and canceled the account, They will scam you if you do their trial
Hello Brian, thank you for updating your review. We are glad to hear that we were able to assist you.
Reviewed Oct. 31, 2024
I would never use this company again. I attempted to cancel and they went through a 20 minute spill about keeping it until closer to my renewal date because I had already paid for it so I stupidly kept it thinking I would cancel closer to that date, but I got busy and forgot and they billed me again instead of just cancelling the first time I called and wanted to cancel. Then they won't refund you, but immediately cut off your access. So I am paid up through the end of next month, but I can't have the benefits of it. I recommend MyFico. I have always had a great experience with them.
Hello Marie, plans must be canceled within the agreed-upon time. Members have two predominant methods to cancel their services. This can be done by calling our Customer Care Team during business hours or, where available, clicking the cancel button from the member website. Please call our 100% U.S.-based Customer Care Team at 877-875-4347, so we can assist.
Reviewed Sept. 30, 2024
FRAUD. Somehow they got my credit card info without my knowledge or consent and tried to charge me a monthly fee after posting $1 to my account. I never had heard of this company until my bank stopped my card for the fraudulent charge.
Reviewed July 15, 2024
We have been using IQ since 2020. They were the only credit monitoring company we work with then Smart credit... Throughout the years out commission have change A LOT!!! WHY & HOW?? Soooo.... IQ send a email for the client to re-enroll with a different LINK with cheaper rates.... The client is in OUR DATABASE but we can not see commission on the client since the link they click was not OUR LINK. Beware of their marketing to re-enroll clients under their link and get the commissions that belong to us!!!!
Reviewed July 1, 2024
I have two major issues with IdentityIQ:
Subscription Policy: I paid $79 for a yearly subscription and an additional $39 to upgrade and access my credit reports. IdentityIQ only offers recurring subscriptions, so I had to pay for a full year upfront. After subscribing, I decided to cancel the same day, expecting to retain access for the remainder of the year since I had paid in full (a common practice by companies like Disney, Netflix, Hulu, AT&T, and Verizon). However, IdentityIQ's policy is different. When you cancel, you lose access immediately, with no option for a prorated refund. I spent 45 minutes on the phone with their customer service, only to be told that this was their policy. In the end, I did not receive a full refund.
Verification Issues: I was referred to IdentityIQ by a loan consultant to help establish a loan. To ensure due diligence, I called IdentityIQ to verify their relationship with this consultant. Despite providing the business name, IdentityIQ refused to verify the relationship. It is troubling that a company focused on "theft and data protection" does not verify such relationships for their customers.
Overall, I do not recommend IdentityIQ. They do not provide refunds and fail to protect customer interests. Stay away.
We apologize for your experience, Chee. To sign up for our credit monitoring and identity theft services, members must provide personally identifiable information as well as answer security questions provided by the major credit bureaus. Our cancellation policy is outlined in the terms and conditions upon enrollment. Our customer care phone number is 877-875-4347. Please give us a call so we can assist.
IdentityIQ Company Information
- Company Name:
- IdentityIQ
- Address:
- 43454 Business Park Dr.
- City:
- Temecula
- State/Province:
- CA
- Postal Code:
- 92590
- Country:
- United States
- Website:
- www.identityiq.com