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Best Identity Theft Protection Services

by Rob Douglas Identity Theft Protection Contributing Editor

Updated on 07/17/2018

The Information Age has made it easier than ever to accidentally divulge personal information or, more troublesome, to have it stolen. Identity theft protection companies help people monitor their financial accounts and personal information to ensure that their identity is secure.

Identity theft protection companies help consumers spot abnormal activity with their credit cards, bank accounts, social security information and more to repair and resolve issues regarding identity theft.

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Compare Top Identity Theft Protection Reviews Sort Most Popular Most Reviewed Best Rated
LifeLock	Read 2213 Reviews	Get identity theft protection for $9.99–$29.99/month. Reimbursement funds up to $1 million. Highest service option includes recovery assistance and tri-bureau credit monitoring. Annual payment plans available.	Visit Website toll freenumber (855) 997-3096
Credit Sesame	Read 114 Reviews	Choose from 3 monitoring options for $9.95–$19.95 a month, with text/email alerts and identity theft coverage up to $50,000. A free membership option with minimal perks and a smartphone app are also available.	Visit Website
IdentityForce	Read 17 Reviews	Get individual identity theft plans from $17.95–$23.99/month, or a family plan starting at $24.90. All plans have identity recovery help and $1 million ID theft insurance. Try free for 14 days.
TrustedID	Read 18 Reviews	Choose plans for $16.99–$29.99/month, including identity recovery help and $1 million service guarantee. Family plans include seniors and kids.
ProtectMyID	Read 22 Reviews	Identity theft protection for $9.99–$19.99/month. Get email and text alerts sent to your phone 24/7 and $1 million identity theft insurance. CreditLock allows you to lock and unlock your credit file at your convenience.
AllClear ID	Read 6 Reviews	Offers monitoring and identity repair services. Get identity theft protection for $14.95/month. Pay an additional $4.95/month to add on kids. Receive email and text alerts and $1 million in identity theft insurance.
Identity Guard	Read 27 Reviews	Choose individual identity theft protection plans from $8.99–$19.99/month or a family plan for $14.99–$34.99/month. Get email and text alerts with ID verification and monitoring, plus $1 million identity theft insurance.
ID Watchdog	Get protection with identity theft monitoring and restoration packages for $14.95–$19.95/month. Comes with email and text alerts, and kids can be added to plans. Up to $1 million in identity theft insurance.
IDShield	Read Reviews	Choose from two plans for $9.95–$19.95 a month. Includes phone app, 24/7 emergency support with a private investigator and $5 million service guarantee. Protect up to 10 people for less than $20 a month.

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Common questions about identity theft protection companies

What monitoring services do identity protection companies offer?

A person's identity is composed of a range of factors, including credit use, financial history, medical history and more. Identity theft protection companies offer a range of monitoring services that watch over different aspects of a person's identity to ensure it hasn't been altered or stolen.

Credit monitoring: Some identity theft protection companies monitor clients' credit reports and credit usage to ensure that their credit cards are not being used fraudulently.
SSN monitoring: Some identity theft protection companies monitor the usage of a person's social security number and notify the clients if anybody else attempts to use their numbers.
Comprehensive monitoring: Many identity theft protection companies offer comprehensive monitoring for many aspects of a person's identity, including their credit, SSN, finances, medical history and more.

How do identity protection companies help clients resolve problems?

When a person's identity is stolen, they often need assistance fixing the damage that has been done. Some identity theft protection programs offer aid to those who need to resolve their situations.

Personal agents: Many identity theft protection companies offer personal assistance to help reclaim a client’s identity and repair any damage done to it.
Service time: Fixing an identity theft problem is a tedious endeavor, and a company with a dedicated resolution service can decrease the time it takes to fix the situation.
Preventative services: For people who have had trouble with identity theft, many identity theft companies offer preventative services. Services include alerting clients to potential fraud on credit reports, removing a client’s name from any pre-screened credit card lists or removing clients from mailing lists to minimize the chance of identity problems.

What are their insurance options?

Identity theft protection companies often insure a person's identity. This insurance compensates clients should their identity be stolen.

Full identity theft insurance: Companies that offer full identity theft insurance will reimburse customers for the entire cost of repairing their identity.
Lost wallet protection: Lost wallet protection cancels and replaces stolen credit or debit cards and sometimes includes reimbursement for stolen cash.
Reimbursement limit: Consumers should make sure they are aware of any limitations on their insurance reimbursements. Some companies may only pay filing fees or insure lost wages only up to a specified amount.

What are their report options?

Identity theft protection companies can offer customers a range of reports. These reports give consumers firsthand knowledge of their financial situations and identity history.

Individual bureau credit reports: Identity theft protection companies can offer customers credit reports from one specific credit bureau so they can see their credit score, individual credit accounts and credit usage over time.
Comprehensive credit reports: If an identity theft protection company offers customers comprehensive credit reports, it can show them full reports from all three credit bureaus, in addition to a wide variety of financial information.
Online scan reports: Some identity theft protection companies review a number of online resources to monitor their client’s exposure. They will then compile any notable information into reports for their clients.

What types of plans are available?

There are many types of plans offered by individual identity theft protection companies, and customers have the option of choosing the plans best for them.

Basic plans: Basic plans involve standard monitoring practices. The identity protection company will alert the client if their identity is in danger of being compromised. These plans are usually limited in scope.
Premium services: Some identity protection companies offer premium services that have all the amenities of standard plans with additional perks such as comprehensive reports, one on one consultations, insurance options and more.
Custom plans: Some identity theft protection companies allow customers to choose the level of service they want and tailor a protection plan that suits their needs.

How much does identity protection cost?

Identity theft protection services are available to customers both for free and for a fee. These services will vary among providers, but as a general rule, more comprehensive services cost more money.

Free service: Free identity theft protection companies monitor things like credit reports and financial activities at no cost. However, the protection these companies offer is limited.
Standard service rates: Most companies charge about $10-$25 per month for basic services. Identity protection in this range usually includes stolen fund replacement, live support, identity restoration, credit monitoring and online monitoring.
Comprehensive service rates: For comprehensive services, consumers can expect to pay $25-$60 per month. These services include a full suite of features such as increased fund replacement, monthly tracking reports and more.

What are the different types of identity theft protection companies?

Credit monitoring companies

Credit monitoring companies simply monitor a person's credit report for irregularities. These companies alert customers if their credit is under attack from fraudulent sources.

Identity theft prevention companies

Companies that engage in identity theft prevention monitor more than just credit. These companies use proactive strategies such as reducing their customers’ public exposure and monitoring black market websites for their customers’ information.

Identity theft repair companies

Customers who need help to repair identities that have been altered or stolen turn to identity theft repair companies. These companies specialize in helping people reclaim their identities and fix problems that have been caused by the identity theft.

Full service identity theft companies

Full service identity theft companies offer monitoring, identity repair, insurance services and more to their customers.

Who needs identity theft protection?

People who have had their identity stolen

People who have previously had their identity stolen can depend on identity theft protection companies for help. Companies can help them repair the damage and take steps to prevent it from happening again.

People who have had personal items or information stolen

People who have had items containing personal information stolen, such as a wallet, but have not yet found any fraudulent activity can seek an identity theft protection company's help to safeguard their identity against possible theft.

Families

Many parents don't realize that their children are at risk of identity theft. Identity theft protection can monitor children as well as their parents, sometimes offering special plans to cover the entire family.

People who frequently use debit and credit cards

People who frequently use debit and credit cards are at a higher risk of identity theft. Identity theft protection programs can help keep those credit and debit cards secure.

Frequent travelers

Anyone who travels frequently for vacations or business is susceptible to identity theft because they carry more identification documents. Identity protection can give clients extra assurance of their protection when they travel.

Expert reviews for identity theft protection companies

Choose from three main packages starting at $9.99 per month. All plans include Norton Security for up to five devices and 24/7 customer support. Optional packages for seniors and children also available.

Three plan choices for either individuals or families starting at $8.99. Exclusive system that utilizes an artificial intelligence scanning system created by IBM. Secure online tools included.

A monitoring and identity theft protection service available from Equifax that offers two individual plans (starting at $16.99) or a family plan ($19.99). Each includes 3-bureau credit monitoring and fraud, financial and suspicious activity alerts.

Two plan options available with identity theft protection only or with identity theft plus credit monitoring included. Child identity theft protection is available as an add-on option. Includes 24/7 customer service.

Complete plan that offers identity theft detection, protection and resolution in one package. Optional child ID theft protection available. Plan includes credit monitoring, suspicious internet alerts and monthly surveillance alerts if no potential threats are uncovered.

Identity theft protection and recovery service provider with two plan options starting at $14.95. Both plans include traditional as well as non-traditional credit monitoring, high-risk transaction alerts and black market monitoring.

Company-sponsored program with three service levels provided only through companies and businesses who pay for and provide them to their customers. Business solutions to help respond to data breaches are also available.

Comprehensive individual or family plans that includes identity theft and credit monitoring, threat alerts, privacy monitoring and unlimited consultations for prevention and restoration. 24/7 support is included.

Disclaimer

Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.

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Rob Douglas Identity Theft Protection Contributing Editor

Rob Douglas is an information security consultant specializing in the investigation and prevention of identity theft and scams. Rob is one of the nation’s leading authorities on the use of social engineering, impersonation, fraud and pretext to steal personal information. For two decades, Rob has assisted the financial services sector, the telecommunications industry, the general business community, government and law enforcement agencies to better understand the scope and methodology of identity crimes through presentations, educational materials, auditing and consultation.