Last Updated On: November 19, 2018

Best Identity Theft Protection Services

Identity Theft Protection Companies Ranked and Reviewed

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Best Overall Value

Overall Score: 9.3/10
IdentityForce offers a wide range of identity protection that makes it a great choice for all.
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Best Monitoring

Overall Score: 9.2/10
LifeLock's partnership with Norton gives it the best monitoring technology available.
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Best Features

Overall Score: 9.0/10
Identity Guard's use of IBM's Watson AI gives it the best features on the market.
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Top 5 Highest Ranked Identity Theft
Protection Companies for 2018

  1. IdentityForce - This is one of the most thorough identity theft services available. They offer two identity theft protection plans with a wide variety of included services, as well as a ChildWatch plan you can add on to your chosen plan. They also give you a price discount if you pay annually, have a 14-day free trial, 24/7 support, and advanced detection technology. This company also has real-time alerts, which are important when you are dealing with identity theft.
  2. LifeLock - This company offers identity theft services and has recently added Norton Security (which is online protection) to their line-up as well. They offer three different protection plans and have a LifeLock Junior plan for kids as well. LifeLock has up to a one million dollar protection package that includes stolen funds reimbursement. They also have proprietary technology alerts, 24/7 support, and a 60-day money-back guarantee.
  3. Identity Guard - This company’s award-winning services help protect your financial, personal, and computer information, as well as your privacy. They offer three individual plans and three family plans that cover all adults and children who reside in the same household. And the family plans are offered at amazingly low prices for what you get. Identity Guard also has state-of-the-art artificial intelligence (commonly known as IBM Watson) capabilities that scour billions of data points. And, their upper tier family plan includes an alert for potential cyberbullying to help protect your children. This is a feature that very few identity theft protection companies (or anyone else for that matter) offer.
  4. ID Watchdog - This company provides top-notch identity theft protection that monitors billions of data points and they are continually developing their services to keep up with any emerging security threats as well. They have two protection plans and offer a discounted rate if you pay annually versus monthly and a 100% identity theft resolution guarantee. ID Watchdog offers 24/7 support in more than 100 languages, up to a $1 million reimbursement insurance policy, and fully managed resolution services that have never failed to restore an identity.
  5. Zander Insurance - This company is actually an independent insurance agency; however, they also offer two different identity theft protection plans which are some of the least expensive plans in the industry. Additionally, Zander Insurance includes free coverage for all of your kids with their family plan. They also offer 24/7/365 support and recovery services, unlimited restoration services, and have a $1 million stolen funds and expense reimbursement policy. Additionally, they provide you with data breach updates and coverage for all known types of identity theft.
IdentityForce

1. IdentityForce

9.3 Overall Score
Customer Service
9.5
Value
9.6
Features & Technology
9.2
Ease Of Use
9.0

IdentityForce is the #1 rated identity theft protection provider for businesses and consumers alike and was just acquired by EZShield. This means you now have the benefit of two identity theft service powerhouses with the most secure capabilities and rapid restoration services available. IdentityForce has been in business for 40 years, has an A+ Better Business Bureau rating, and is highly respected in the identity theft services industry, as well as with their customers.

Pros

  • Advanced Detection Technology
  • Real-Time Alerts
  • 24/7 Support
  • Backed by a Million Dollar Insurance Policy (not a service guarantee)
  • A+ Better Business Bureau Rating
  • Real-Time Alerts (bank, credit card activity, and more)
  • 24/7 Monitoring (credit reports, change of address, court records, and more)
  • Advanced Fraud Monitoring (dark web, banks, auto dealers, mortgage companies, government agencies, and more)
  • 9 Different Credit Monitoring and Privacy Tools Included (see below for more details)
  • Fully Managed Restoration
  • Stolen Funds Replacement
  • 100% Identity Recovery Guarantee

Cons

  • Manual Cancellation Required After Free Trial Period (it’s not automatic)
  • More Expensive Than Other Providers (but you get more services)

IdentityForce offers two identity theft protection plans that range from $17.99/mo. or $179.90/yr. to $23.99/mo. or $239.90/yr. plus a ChildWatch plan you can add on. Additionally, when paying annually, you will receive a discount off the monthly rate.

IdentityForce offers a wide variety of services that include credit report monitoring, advanced fraud monitoring, change of address monitoring, court record monitoring, dark web monitoring, payday loan monitoring, sex offender monitoring, and social media identity monitoring. They also have helpful alert services such as bank and credit card activity alerts, a social security number tracker, change of address alert, court record alert, fraud alert reminders, identity threat alerts, payday loan alerts, fraud alerts, and sex offender alerts, depending on which package you choose. Additionally, they offer credit score monitoring and a wide variety of privacy tools, not to mention a million dollar (amount varies depending on your plan) identity theft insurance package that includes fully managed restoration services and a stolen funds replacement policy. Read our full review of IdentityForce here.

IdentityForce

Overall Score: 9.3/10
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LifeLock

2. LifeLock

9.2 Overall Score
Customer Service
9.1
Value
9.7
Features & Technology
9.0
Ease Of Use
9.0

LifeLock has been in business since 2005 and is a leader in the identity protection services industry. They have more than 4.4 million members, offer a full suite of identity protection services, have an award-winning restoration team, and an up to one million dollar protection package that includes a stolen funds reimbursement feature.

Pros

  • Credit Bureau Monitoring
  • Up to a One Million Dollar Protection Package
  • Norton Internet Security Available (for up to five devices)
  • Lifelock Mobile App
  • Proprietary Technology Alerts
  • U.S. Based Restoration Specialists
  • Personal Expense Compensation
  • Reimbursement of Stolen Funds
  • Coverage Provided for Lawyers and Experts
  • Lost Wallet Protection
  • 24/7 Member Support
  • 60-Day Money-Back Guarantee
  • USPS Address Change Verification
  • Dark Web Monitoring
  • LifeLock Privacy Monitor
  • Additional Services Included (with each upper tier package)

Cons

  • Priority Live Member Support on Upper Tier Package Only
  • Not Better Business Bureau Accredited

LifeLock offers three different identity theft protection plans ranging from $9.99/mo. to $19.99/mo. plus applicable sales tax. They also have a LifeLock Junior that you can add-on to your plan for $5.99/mo. or $65.99 annually.

LifeLock offers a variety of identity theft protection services such as up to a million dollar protection package, stolen funds reimbursements, personal expense compensation, coverage for lawyers and experts, a U.S. based restoration team, social security number and credit alerts, lost wallet protection, USPS address change verification, dark web monitoring, and credit bureau monitoring.

They also offer bank and credit card activity alerts, alerts on crimes that are committed in your name, data breach notifications, fictitious identity monitoring, up to three annual credit reports, monthly credit score tracking from one bureau, 401(k) and investment activity alerts, bank account takeover and new account alerts, file-sharing network searches, sex offender registry reports, and priority live member support, depending on which package you choose. Read our full review of LifeLock here.

LifeLock

Overall Score: 9.2/10
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IdentityGuard

3. Identity Guard

9.0 Overall Score
Customer Service
8.7
Value
8.7
Features & Technology
9.4
Ease Of Use
9.2

Identity Guard was founded by Intersections Inc. in 1996 and has proactively transformed their business model to make sure their customers are effectively covered for the most recent identity theft trends. This is apparent with their introduction of Identity Guard with Watson which is the world’s most recognizable artificial intelligence program. Additionally, Identity Guard’s services have also been recognized in the Online Trust Audit and Honor Roll by the Online Trust Alliance for six consecutive years for implementing the best practices in data security and privacy.

Pros

  • Social Security Number Monitoring
  • 3-Credit Bureau Monitoring (depending on your plan)
  • IBM Watson Artificial Intelligence
  • Computer Data Protection
  • Risk Management Score
  • $1 Million Insurance with Stolen Funds Reimbursement
  • Dark Web Monitoring
  • U.S. Based Dedicated Case Managers
  • Many Different Potential Threat and Change Alerts (depending on your plan)
  • Anti-Phishing Mobile App
  • Safe Browsing Extension
  • Social Insight Report (depending on your plan)
  • Family Plan Covers Unlimited Family Members (in the same household)
  • Bank Account Takeover Monitoring (depending on your plan)
  • Alerts of Potential Cyberbullying (depending on your plan)

Cons

  • No Individual Child Plan, Can Only Be Covered Under the Family Plan
  • Upper Tier Individual Plans Are Pricey
  • Cheapest Available Plan Has Limited Protections

Identity Guard offers three individual plans that range from $8.99/mo. to $24.99/mo. and three family plans that range from $14.99/mo. to $34.99/mo. The family plans cover every member of your household for the same monthly price; however, there are no individual child plan options available.

Identity Guard has a wide variety of services, some of which other identity theft protection companies don’t offer. They offer IBM Watson Artificial Intelligence, $1 million in insurance with stolen funds reimbursement, U.S. based dedicated case managers, risk management score, an online identity dashboard, and a mobile application. They also have a wide variety of alerts which include dark web detection, high-risk transactions, monthly credit score, 3-credit bureau change notifications, bank account takeovers, requests to open checking or savings accounts in your name, your child’s information found on the dark web, and if a potential cyberbullying threat is found on social media. Additionally, they offer an anti-phishing mobile app, safe browsing extension, and a social insight report.

What Is the IBM Watson Artificial Intelligence Feature?

The IBM Watson AI feature monitors, processes, and analyzes billions of pieces of personal information and will alert you if it detects any potential threats to your identity. Read our full review of Identity Guard here.

Identity Guard

Overall Score: 9.0/10
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ID Watchdog

4. ID Watchdog

8.7 Overall Score
Customer Service
9.0
Value
8.7
Features & Technology
8.7
Ease Of Use
8.4

ID Watchdog uses proprietary technology to search billions of data points so it can detect any potential threats and alert you of any changes in your personal identity profiles. ID Watchdog has been in business for 13 years and has an A+ rating with the Better Business Bureau. Additionally, they have been recognized by the Consumer Federation of America as one of the most valuable identity theft protection services available.

Pros

  • Proprietary Identity Theft Detection Technology
  • Basic and Advanced Identity Monitoring
  • Black Market Surveillance
  • Email and SMS Alerts
  • Full-Service Identity Restoration Services
  • Credit Report Monitoring
  • Credit Report and Score
  • National Provider Identifier (NPI) Alerts
  • Live Service and Support (100 languages supported)
  • 100% Resolution Guarantee
  • 3-Credit Report Monitoring (depending on your plan)
  • Watchdog ID Rehab Services Available for Pre-Existing Identity Theft Events
  • Cyber Monitoring
  • Non-Credit Monitoring (example: payday loans)

Cons

  • No Child Specific Plan Advertised (might be provided if you contact them about it)
  • Extra Fee for Using Any of the Pre-Existing Identity Threat Services
  • Limited Services Compared to Other Companies

ID Watchdog offers two identity theft protection plans that range from $14.95/mo. to $19.95/mo. They don’t specifically advertise any child plans; however, you might be able to have one customized if you contact them about it specifically. Additionally, they offer varying reduced rates if you pay for your service annually versus monthly.

ID Watchdog has a variety of protection and monitoring services such as basic identity monitoring, social security number monitoring, change of address, non-credit monitoring (pay-day loans, rent-to-own, utilities, etc.), public records, high-risk transactions, internet black market and hacker forums, and cyber monitoring of other sources that buy, sell, trade, and distribute your personal information. They also offer a 100% resolution guarantee and have Certified Identity Theft Risk Management Specialists (CITRMS) who will work with you to restore your identity if it’s ever stolen. And, if you opt for the upper tier plan, ID Watchdog will monitor all three credit bureau reports versus one as is the case with the lower tier plan. Read our full review of ID Watchdog here.

ID Watchdog

Overall Score: 8.7/10
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Zander Identity Theft

5. Zander

8.7 Overall Score
Customer Service
8.6
Value
9.5
Features & Technology
8.2
Ease Of Use
8.6

Zander Insurance has been in business for 91 years and has an A+ rating with the Better Business Bureau. They have a 96% customer satisfaction rating and are endorsed by Dave Ramsey, Rachel Cruze, and recommended by Forbes. And, they offer some of the least expensive identity theft protection plans in the industry, not to mention that their family plan includes free coverage for your kids. Additionally, Zander Identity Theft has a 100% recovery success rate.

Pros

  • All Types of Identity Theft Covered
  • Personal Identity Information Monitoring
  • Social Security Number Monitoring
  • Change of Address Monitoring
  • Court Records Monitoring
  • Customer Support and Recovery Services (24/7/365)
  • Data Breach Updates
  • $1 Million Stolen Funds and Expense Reimbursement
  • Lost Wallet Protection
  • Dark Web Monitoring
  • Free Child Identity Theft Information Monitoring
  • Identity Theft Detection and Change Alerts Via Email
  • 100% Recovery Success Rate
  • Unlimited Recovery Services

Cons

  • Credit Report Monitoring Not Available
  • Have to Monitor Your Credit Reports Yourself
  • Email Alerts Only (no text alert option available)

Zander Insurance offers two identity theft protection plans that range from $6.75/mo. or $75/yr. to $12.90/mo. or $145/yr. with the latter amount being the discounted rate if you pay annually versus monthly. And, their family plan includes coverage for every one of your children under the age of 18 at no additional cost.

This company doesn’t offer credit report monitoring; however, they do offer a wide variety of other types of identity theft monitoring such as financial fraud, medical ID theft, tax fraud, criminal ID theft, social security fraud, child ID theft, benefits and employment fraud, and title fraud. So as you can see, Zander Insurance is well worth the price even without the credit report monitoring which is easy to do yourself.

Zander Insurance will also email you identity theft and change alerts if anything is detected. Additionally, their services also include unlimited recovery, a $1 million stolen funds and reimbursement, including any funds that are stolen from your bank account. And, Zander also boasts a 100% recovery success rate. Read our full review of Zander here.

Zander

Overall Score: 8.7/10
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Features Matter in an Identity Theft Protection Service

Do the features in any given identity theft protection service really matter?

YES! Features do matter, they matter a lot! You never want to find out you have been a victim of identity theft, then find out that your plan doesn’t cover your specific scenario. Or worse, doesn’t have the coverage or the expertise needed to help you recover from an identity theft incident.

Always look for the features you need for your particular situation when searching for the best identity theft service. For example, if you don’t have kids, then you don’t need to look for services that include identity theft protection for kids. Or, if your funds are limited, buy an identity theft protection service that only offers limited services rather than skipping it altogether. Some coverage is better than no coverage at all and you can always upgrade or change services later when your financial situation improves.

Common features in the identity theft protection industry. These features vary from company to company, but these are the most common.

  • Credit Report Monitoring
  • Social Security Number Monitoring
  • Dark Web Monitoring
  • Recovery Insurance Policy (up to $1 Million)
  • Stolen Funds Replacement
  • Child Identity Theft Protection
  • Change of Address Monitoring
  • Credit Report and Scores
  • Basic and Advanced Identity Theft Monitoring
  • And More!

What Is the Right Fit for You and Your Family?

Every person and every family will have varying needs when it comes to identity theft protection coverage. Therefore, you should take some time to learn the different facets of identity theft so you are better able to select a plan that covers all your specific individual needs.

Should I have social security number monitoring?

Yes, everyone, including your kids’, should have social security number monitoring because your social security number is required for just about everything such as the doctor’s office, credit applications, employment applications, insurance applications—everything; therefore, it is more likely to be stolen because it’s everywhere and not everyone who collects your social security number for business purposes protects it properly.

What are the options to protect my credit and finances?

There are several ways to protect your credit and finances. You can monitor your credit reports and FICO score yourself or pay a service to do it for you, preferably both. You should also shred all documents with your personal information on it, regularly check your credit card and bank accounts for irregularities, never give out any personal financial information or numbers, use computer protection software, make sure your Wi-Fi is properly encrypted, never access your bank account or use your credit cards while using public Wi-Fi, file your tax returns as soon as you receive them so no one can file sooner than you and steal your refund.

Am I comfortable with the ongoing costs of identity theft protection?

To answer this question, you have to ask yourself what are the ongoing costs of identity theft protection going to cost me? Then ask yourself what will it cost you if you don’t have identity theft protection and your identity is stolen? EXACTLY! If you don’t have identity theft protection and your identity is stolen, you might not be able to get everything handled properly if at all. An identity theft protection service, even the most basic of services have a team of experts who know exactly what to do to help you recover from this event and many of them also have a stolen funds reimbursement feature. If you don’t have identity theft protection, will you be able to afford to lose all your money along with your personal information—perhaps for years to come? There’s your answer.

Do I need identity theft insurance coverage?

Yes, you do! Identity theft insurance coverage could be the only thing that helps you survive—literally— through this event. If your identity is stolen, will you know how to fix it yourself? And what if all your money is stolen, including your savings, what would you do for money? Most identity theft protection services provide you with stolen funds reimbursement and some even give you emergency cash to help you get by temporarily if all your money has been drained from your bank accounts.

Should I consider monthly credit score reporting?

Yes, you should consider monthly credit score reporting. Why? Because keeping an eye on your credit score is just another way to protect yourself from identity theft getting too far. If you see your credit score go up or down significantly in any given timeframe, this could be an indication that your personal information has probably been compromised. Early detection will help you prevent the event from going any further because once detected, you can put a freeze on your credit reports, contact your financial institutions and retailers asking them to stop all further transactions and close your account if necessary, etc.

Do I need a family plan?

Whether or not you need a family plan will depend on if you have a family or if the protection is just for yourself. Some identity theft protection services will offer you a discounted rate if you enroll your kids and/or spouse in their services at the same time. However, with that being said, if you have kids, you definitely need a family plan because identity theft doesn’t just happen to adults. In fact, criminals love to use a child’s identity because they know it will probably be several years before the crime is detected. This is because young children don’t apply for credit, etc. which is when most identity theft incidents are found.

Are social media accounts monitored as well?

Some identity theft protection companies monitor social media accounts and some don’t; therefore, if that’s something you want, you’ll need to look for that feature when deciding on which company to choose. Social media pages are a prime target for identity thieves because they contain a wealth of personal information about you that will help them use your identity. For example, your maiden name, where you were born, your kids and pets’ names, etc. Additionally, some identity theft protection companies also offer cyberbullying monitoring which often happens on social media websites so that’s another important feature to look for especially if you have kids.

Is my identity monitored for on the Black Market and Dark Web?

Most identity theft protection companies these days do monitor the Black Market and Dark Web for your personal information. However, not all of them do so it’s best to confirm that the company you choose does, in fact, offer that service before you sign-up.

What happens if I have identity theft protection and my identity is stolen?

If you have identity theft protection and your personal information is stolen and/or used fraudulently, contact your identity theft protection company immediately. Most of them have 24/7 support and recovery services available to you, as well as some type of identity theft insurance, stolen funds replacement, and some of them even offer emergency cash for your immediate expenses.

What Protection Matters Most To You?

Here is a list of common identity theft protections and how they work to protect you.

Social Security Monitoring

Social security number monitoring uses technology to search public information, the dark web, and commonly used places to see if your general identity is being used or sold. It will also look for address change verifications and other places where your social security number is needed to fraudulently use your identity.

Financial Monitoring

Financial monitoring uses technology to search public information, 401ks, bank transactions, payday loans, investments, and other commonly used places to detect if your personal information is being used, bought, or sold.

Criminal Monitoring

Criminal monitoring uses technology to search public information, court records, sex offender registration, and other commonly used places to see if your name or personal information has been used in a crime or for other criminal purposes such as using your identity to avoid incarceration, etc.

Credit Monitoring

Credit monitoring uses technology to detect changes in the three major credit bureaus, as well as changes, up or down, in your credit score. Some companies offer monitoring of one, two, or all three credit bureaus. It will usually depend on the protection package you have selected.

Dark Web Monitoring

Dark web monitoring, also known as cyber monitoring, uses technology to continually scour the dark web, hacker forums, and fraudulent websites where stolen personal information is bought and sold.

Social Media Monitoring

Social media monitoring uses technology to scour social media websites, hacker forums, and the dark web to see if the information on those pages has been scraped, then bought, sold, or is being fraudulently used. Once scraped, that information is commonly used to set up fraudulent social media pages with the intent of being used for criminal purposes.

You should be mindful about the information you post on your social media pages. Criminals frequently use social media pages to gather personal information about you so they can use your identity.

For example, how many of you post your maiden name, where you work(ed), where you were born, talk about your pets, kids, or favorite foods, etc. on your social media pages? Think about the two-factor authentication questions a bank or financial institution uses to verify that you are really you when you log in. So if you post that type of information on your social media pages, most of the answers to those questions can be easily found there. That’s why you should avoid posting any personal information that could make it easy for a criminal to find and use to steal your identity and your money.

About the above information on which identity theft protection features that matter most to you:

If your personal information is detected in any one or more of the above-mentioned circumstances, your identity theft protection company will notify you and advise you as to what you need to do to avoid any further damage. They will then put you in touch with one of their restoration experts who will help fix any damage that was done to help get your name and credit cleared and restored.

Are Identity Theft Protection Services Worth the Price?

The last thing you need every month is another bill…right? But what if that bill could keep you from the nightmare of losing your identity (or your kids identity), potentially losing a bunch of money, not being able to buy a home (or anything else), and years, if not a lifetime, of criminal proceedings and financial struggle…would you be willing to pay that bill? You decide!

Best Family Identity Theft Protection


Family is everything. That's why it's important to protect them to the fullest extent. Identity theft protection services help to protect your family from threats on the Dark Web and more.

Best Identity Theft and Credit Protection


Identity theft protection services can include credit monitoring and reporting to ensure that your financials are never compromised. Get reports from the three major credit bureaus so you are always aware of your credit situation.

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