AllClear ID Reviews

AllClear ID Plans

Now that we know what we’re getting into, let’s take a look at their protection tiers.

AllClear ID offers two types of services. AllClear Identity Repair, also called “Basic,” will help if your identity has already been stolen or if you suspect you’ve become a fraud victim. With this plan, trained investigators will work with you to resolve disputes and act on your behalf to restore your identity.

While restoration and resolution are usually packaged with a monitoring and alert system, this is the first time we’ve encountered it as a stand-alone product. This is great news if you’ve become a victim and don’t exactly know where to turn. Even better news — it’s free. Don’t get too excited though — we’ve found there’s no such thing as a free lunch, and this seems like a way to reach and recruit potential customers.

For our purposes, we’re interested in taking a look at AllClear’s Fraud Alert with Credit Monitoring service — or ProPlus. This includes:

Some of these items were familiar to us, others, not so much. To figure out what it all meant, we purchased an AllClear ID plan and took it for a test drive.

Getting Started With AllClear ID

Thankfully, AllClear ID offers a 30-day free trial. We always love to see free trials like IdentityForce’s and IDShield’s — two of our favorite brands — because who doesn’t want to try it before they buy it?

To get enrolled, we started by entering some pretty standard information like our name, date of birth, email address, and social security number to get our account set up. On the next screen, we were asked to enter our contact information. Once that was all done, we entered our billing info on the next page to start our free trial.

To do that, though, we had to jump through a pretty interesting hoop. Unlike any verification we’ve seen before, AllClear ID actually calls the primary phone number we entered during sign-up. We were asked to state our name, create a “voice key phrase,” and enter a 4-digit pin. Pretty unique, but we’re going to trust AllClear knows what they’re doing — we mean, they specialize in streamlining security processes.

AllClear Secure Sign in

We were then redirected to a page letting us know we had successfully enrolled. Two things to point out here — this page said we were automatically enrolled in single-bureau credit monitoring, but we could activate triple-bureau monitoring in our profile settings. We’re going to want to do that immediately. It also said we’d need our phone whenever we wanted to log in. A little extreme on the two-factor authentication, but hey, if we didn’t appreciate security, we wouldn’t be doing this.

AllClear Secure Sign in Process

After entering our log-in credentials, we clicked “call me now” and were greeted with the screen above. After about 5 seconds or so, our phone rang. Our voice passkey was repeated to us, and we were asked to enter our pin. Seriously — this level of security was really comforting. Even though AllClear doesn’t have the bells and whistles of Identity Guard (another favorite of ours), we were confident they were taking every precaution to protect our sensitive information.

Using AllClear ID

Once we were through the phone authentication, we were given what we thought was a brief overview of what we could expect to find in our account. But we quickly found out this was actually our dashboard. Not the most detailed we’ve seen by a long shot, so honestly, that was a little disappointing. Have a look below…

AllClear Account Overview

Design-wise, we think AllClear did a fairly good job. The dashboard is easy to navigate, it’s intuitive, and everything is where you’d expect it to be. This made for a pretty good user experience, overall, albeit with a bare-bones service.

The first item — enrolling in a TransUnion fraud alert — was pending, so there wasn’t much we could do with it.

Next on the list, we saw “credit monitoring pending.” Again, not much we can do here, yet. So we’ll have to come back to it.

Let us take a second to say this is a first for us, though. For every other service we’ve used, these types of permissions have been immediate. With an IdentityForce top-tier plan, we had access to 3-bureau credit monitoring and our complete reports right off the bat. So we’re really not sure what the lag time is all about with AllClear, but it wasn’t the best look.

Moving on to the third item on the list — our credit cards — we could finally get something done. After clicking here, we were able to add our credit and debit cards for what we assume was dark web monitoring. Most identity theft monitoring and protection services scan non-indexed portions of the internet (ie – those pages not accessible by search engines) to find instances of your personal information being shared. Without fail, every service we’ve reviewed has turned up something.

We’re not really sure what was being monitored here or how, because AllClear never told us.

AllClear Identity Theft Monitoring

Next on the list was our profile. This is where we could update all of our information including our name, our address, our phone numbers, our email address, and our passwords. We’re not going to show you any of that for obvious reasons, but at the bottom, under preferences, we wanted to point out this is where you can switch from single-bureau monitoring to triple-bureau.

We absolutely recommend triple-bureau monitoring. While the three different credit bureaus — Experian, TransUnion, and Equifax — all monitor similar activities, discrepancies might not show up in the same way. If you’re going to pay to monitor your credit, it’s important to spring for all three.4

But AllClear doesn’t agree. Why? Because it messes up their alert system. No seriously, have a look…

AllClear Credit Monitoring

If that text is too small to read, we’ll print it here:

“Triple bureau monitoring creates three duplicate alerts for every change to a consumer’s credit file and most of our customers do not want to receive three phone calls regarding the same alert. We designed an effective de-duplication technology to address this problem, however like any filtering technology, it is possible that a valid alert may not be delivered.”

Well that’s not good.

We went ahead and accepted because we want all three bureaus monitored, but we weren’t happy about this. To be fair, identity theft monitoring is a tertiary service of AllClear’s, but we’d think something as critical as credit monitoring alerts would be well-established before taking the service to market. So this is something to keep in mind.

By the time we had this all set up, our fraud alerts, credit monitoring, and VantageScore report were ready to take a look at.

AllClear Features

Clicking on the first item, we were directed to a page where we could request a fraud alert with TransUnion. This is a great preventative step for people who think they may have fallen victim to identity thieves, but we don’t really count this as “monitoring.” You can place fraud alerts and freezes on your credit reports at any time without the assistance of an identity theft monitoring service, so we skipped this step.

AllClear Fraud Alert

Next, we took a look at our credit monitoring reports. Honestly, there wasn’t much to see here. After clicking on the link, we landed on a page that said AllClear ID hasn’t detected any activity with our accounts. They advised us that if we were expecting a hard inquiry or a new account opening, that we should check back to review it. That’s fine, but every service we’ve ever used has found at least one or two things to alert us to. In fact, we never received an alert from AllClear in the entire time we were using it. That was a little disconcerting.

AllClear Alerts

Moving on to the next item, we found our credit report and score. On this page, we could request to receive and review this information. It’s important to note that this report is generated by TransUnion, and the credit score provided is our VantageScore 3.0, not FICO.

AllClear Credit Overview

We were a little disappointed here as well. Other services we’ve reviewed gave us way more insight and access into our data. When we drilled down into the “account summary” section, some of our information was simply wrong. And there was no way to investigate how AllClear ID generated our numbers, nor was there a defined path to rectify the mistakes.

Clicking back to the dashboard, we found AllClear’s resource page. Here we found some information as well as some additional functions to reduce junk mail and credit card offers.

AllClear – Help with Junk Mail Management

Unfortunately, instead of using the personal information we already provided to enroll us in the service, AllClear ID simply linked us to the sites where we could sign up. This felt a little lazy, especially since IDWatchdog automatically did this for us.

On the resource page, we also found AllClear’s lost wallet protection function, which was a form to print and fill out with account and identification numbers.

AllClear Lost Wallet Form

If you choose to use this function, be sure to keep this document in a very safe place, and if you ever get rid of it, make sure to shred it. While most people think identity thieves only lurk in the digital world, plenty of attacks result from physical items not being properly destroyed.

The “protection” element of AllClear’s lost wallet protection comes into play with their team of experts using this information to help recover lost identification or stolen cards. While this is a nice feature, it’s worth pointing out it’s a pretty standard offer from most identity theft protection services out there.

So, that’s about it with AllClear. For the price, we really expected something more, like what we’ve seen with LifeLock and their Norton 360 device protection. The features AllClear touted were either lackluster or, at worst, potentially broken. We’re still not sure what they meant by “theft monitoring,” and we never got to experience the “secure alert system,” because AllClear never alerted us to anything.

While the optimist in us wants to believe there’s absolutely nothing suspicious in our finances or online about us, the realist knows that isn’t the case. And that’s also confirmed by the fact that every other identity theft protection service we’ve reviewed has found at least a handful of items for us to review.

How Does All Clear ID Compare to Other Services?

When you’re looking for an identity theft prevention solution, you definitely want to compare a couple of services. To make that a little easier, we created this quick cheat-sheet

Comparing AllClear ID

Note – some functionality requires purchasing a premium plan.

AllClear ID — The Big Picture

We really wanted to like AllClear ID. They have a unique approach to identity theft protection and an established record of customer satisfaction. To be fair, their enterprise-side services might be better than their individual protections, but that’s not what we’re here to review. At the $15 per month price point, we think you’d be much better off with a service like IdentityGuard or IDShield. Given our personal experience, we wouldn’t in good faith recommend AllClear ID’s ProPlus plan.

AllClear ID FAQs