Identity theft is the leading form of fraud in the US, with the Federal Trade Commission reporting more than 650,000 cases in 2019 alone. The number one form of identity theft is credit card fraud, meaning consumers should be extra vigilant when shopping online for holidays gifts. Luckily, ID theft protection services provide an affordable way to monitor online activity performed in your name, thereby catching ID theft before it can seriously affect you. Here’s a look at our best ID theft protection services of the year:
- Best forFull-spectrum protection
- Starting price$6.67per month
- Free trialNo
Identity Guard’s marquee feature is the IBM Watson technology. This cutting-edge AI tool constantly scans billions of data points across the internet to pinpoint unusual activity, resulting in intelligent, 24/7 protection for families and individuals.
Watson may be Identity Guard’s most impressive feature, but it’s far from the only one. The company offers 3 solid packages that all include Dark Web monitoring, risk management reports, and anti-phishing apps, as well as some unique tools with the more extensive plans. The advanced package, for example, includes 3-bureau credit reports and a social insight report. Family plans notably include cyberbullying alerts for social media.
- Monitors credit score with all 3 credit bureaus
- Utilizes IBM’s Watson AI tech for optimal performance
- $2,000 emergency cash fund
- No 24/7 customer service
- 3-credit reporting only with premier plans
- Best forNorton antivirus users
- Starting price$9.99per month
- Free trial60-day money-back guarantee
A product of anti-virus heavyweight Norton, LifeLock boasts the tech, accessibility, and ease that you’d expect from the industry-leading company. Most impressive are the plans themselves, which not only blend online security and ID theft protection but offer more flexibility than usual.
Lifelock’s plans include ID and Social Security number alerts and are offered in tandem with Norton’s 360 suite. This means that combo plans net you VPN services plus solid ID theft features like stolen funds reimbursement that ranges from $25,000 to $1 million dollars, bank account and credit card activity alerts, and even 401(k) investment account alerts on the Ultimate Plus plan.
LifeLock also offers LifeLock Junior, an affordable add-on for children under 18 that includes
Dark Web monitoring and file-sharing network searches. All plans include 24/7 live member support and the aide of US-based identity restoration specialists.
- Reimbursement up to $1 million
- Antivirus and protection from cyber threats
- 60-day money-back guarantee
- Only worth it if you want Norton 360
- Pricing can be confusing
Zander Identity Theft
- Best forPeople seeking to recover their identity
- Starting price$6.75/month
- Free trialNo
The only identity theft protection service recommended by money-management expert Dave Ramsey, Zander Insurance, is a solid, affordable identity theft protection and restoration software option for those looking to stay secure on a budget. While the platform doesn’t include credit monitoring, it does monitor personal information, such as Social Security, and offers among the most comprehensive array of identity recovery services on the market. Zander offers reimbursement of lost wages, financial losses, and expenses up to $1 million.
Where Zander stands out is in the unfortunate event that your identity is stolen. You will be assigned a Recovery Advocate to guide you through the process of recovering your credit and identity. This representative will be available for up to three years to ensure that your identity is fully restored. Zander will notify all three major credit bureaus, medical institutions, creditors, and the IRS of the theft, and will monitor accounts for possible fraud so that you can get back to yourself quickly.
- Unlimited family plan
- One of the most affordable options
- Comprehensive recovery services, including lost wage coverage
- No credit monitoring
- No free trial period
- Best forAnyone who has or wants Norton antivirus
- Starting price$9.99/month
- Free trial60-day money-back guarantee
Identity protection and restoration software, with continuous monitoring and alerts, 24/7 customer support, and online security. LifeLock is an identity theft protection product that delivers comprehensive identity monitoring, including credit, investment, and bank accounts, mobile and social media, public records, and more, depending on the plan you choose. The software can be installed on as many as five devices so that you will receive full protection across all of your systems. LifeLock also lets you add individual family members for an added monthly cost.
If LifeLock finds anything suspicious during a scan, you’ll be notified immediately. In addition to real-time protection and up-to-date alerts, LifeLock’s real benefit is its coverage in case of identity theft. With up to $1 million in insurance, LifeLock offers a range of services to help recover your identity and undo any damage. Plus, with the software’s included Norton’s 360 suite, you’ll also be protected from cyberthreats.
- Includes Norton antivirus software
- Offers 3-bureau credit monitoring
- User-friendly mobile app
- No family plan available
- Expensive compared to other services
- Best forThose looking to protect their credit
- Starting priceN/A
- Free trialYes
IdentityTheft.com is a cloud-hosted identity theft protection service that offers around the clock credit monitoring. Although no pricing information is available on their website, IdentityTheft.com promises easy, low-cost credit monitoring to protect yourself against identity theft. Once you have finished signing up for the service, you can add any account that you want to be monitored, including social security, driver’s license, credit, or medical. In the event that the service flags unusual activity on your account, you will receive an instant notification requesting your confirmation that this isn’t theft.
If your identity is stolen, IdentityTheft.com offers $1 million identity theft insurance for any damages and will send out fraud alerts until you can secure your accounts. Although IdentityTheft.com doesn’t offer the same comprehensive guidance and identity restoration services as other providers, this is a good basic credit monitoring option that can save you time and ensure that you never miss an attempted breach on your accounts.
- Ability to add numerous accounts to be monitored
- Continuous monitoring
- Instant alerts of suspicious activity
- No pricing information available
- No 24/7 customer support
- Best forInternet banking
- Starting price$17.95per month
- Free trial14 days
IdentityForce has 40 years of experience in ID theft and is celebrated for the scope and breadth of its services. This well-respected company was one of the first to offer ID theft for children and has likewise been innovative in more recent services such as social media identity monitoring and mobile implementation.
IdentityForce monitors court records, Dark Web activity, and sex offender monitoring and offers smart alerts in more than 5 major areas. The service notably includes medical ID fraud protection and online tools for personal computers. Add to that insurance of up to $1 million, dedicated mobile apps, and a 50-point promise to customers, and it’s clear why IdentityForce has endured for more than 4 decades and has become a destination for discerning individuals concerned about protecting their identity.
- More than 40 years of experience
- Medical ID fraud protection
- 50-point member manifesto for customers
- Need to contact CS for family plan info
- Pricier than other services
- Best forID theft and PC maintenance
- Starting price$19.99per month
- Free trialFree 1-time diagnostic
MyCleanID provides real-time protection with 3-bureau credit monitoring with up to a $1 million guarantee. The process is easy and within minutes of signing up you’ll receive access to your credit and FICO scores through a smart, clean dashboard that allows you to keep tabs on private info and alerts.
MyCleanID’s monitoring services offer comprehensive protection that extends beyond standard features to include telephone and driver’s license protection as well as PC protection via the service’s privacy management software. The last is a unique feature that performs a deep scan on your computer and allows you to erase usernames and passwords, and schedule regular cleanings. This combination of PC care and ID theft offers users the benefit of proaction and control that can prevent breaches and help each user sharpen their personal online habits.
MyCleanID only offers one plan, but it’s relatively extensive and includes 24/7 live support.
- Up to $2,000 lost wallet protection
- Unique PC protection software fosters proactive online safety
- 24/7 US-based support
- Need to pay 1-time activation fee
- Only 1 plan available
- Best forVPN and torrent users
- Starting price$14.95per month
- Free trial30 days
A well-known company amongst internet security enthusiasts, Panda offers an ID theft service that fits right into its suite of VPNs and antivirus software.
Panda has its sign-up process down to a science, and unlike others in the field, its ID theft monitoring begins the instant you’re signed up. You’ll receive fraud monitoring with rapid smart alerts if your financial info or credit card details are are sold online. Panda also offers SSN tracking as well as bank and credit card activity checks on withdrawals or transfers that exceed amounts you can set yourself.
Panda offers an admirable customer service policy with multiple avenues of communication. Customers have access to a 24/7 premium support line as well as chat and email. There’s also online contact forms and active resources on Facebook, Instagram, and Twitter.
- Monitoring begins immediately after signing up
- Customized alerts and notifications
- Strong customer support teams
- Only 1 plan available
- May conflict with security software from other providers