There are plenty of sacrifices that come with being in the military and that includes not always being physically present and available to handle everyday issues as they arise. Therefore, it’s important to have systems in place to help do those things for you. That’s why we do what we do. We’ve identified the best identity theft protection services for military personnel, then researched, tested and compiled the data into a single source format that’s easy to read and understand. When using our website, you will have access to the results of our data that includes detailed reviews, the pros and cons of each service, and side-by-side comparisons that will make it easier to decide which identity theft protection service is right for you.
1. Identity Guard
Identity Guard is a service provided by Intersections, Inc. a Delaware corporation that has been in business since 1996 and in that time has helped resolve more than 140,000 cases of identity fraud. They currently have an A+ rating with the Better Business Bureau and represent more than 47 million consumers in the U.S. Identity Guard prides themselves on being able to quickly evolve and keep up with the ever-changing identity fraud landscape. They are also the only identity theft protection service that uses Watson which is an artificial intelligence program that can scour billions of data points for vulnerabilities and if any are found, they will alert you immediately. Additionally, Identity Guard has 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.
- IBM Watson artificial intelligence program
- One million insurance and stolen funds reimbursement
- SSN monitoring
- Family plan available (covers unlimited family members of the same household)
- Cyberbullying monitoring and alerts
- U.S.-based case managers
- Credit bureau monitoring
- Child plans only available under a family plan (can’t be purchased individually)
- Upper tier plan is expensive (but you get comprehensive coverage)
- Individual plans only cover one adult
- Limited protections under the most basic plan
Identity Guard offers six protection plans, which are three individual plans and three family plans.
The individual plans are the Value for $8.99/mo., the Total for $19.99/mo., and the Premier for $24.99/mo.
The family plans are the Value for $14.99/mo., the Total for $29.99/mo., and the Premier for $34.99/mo.
The number of features you will receive is dependent on the plan you choose. The available features include IBM Watson AI, $1 million insurance with stolen funds reimbursement, U.S.-based dedicated case manager, risk management score, online identity dashboard, and a mobile app. You will also receive alerts for dark web activity, high-risk transactions, monthly credit score, 3-bureau credit changes, takeovers of your bank accounts, requests to open checking or savings accounts using your information, 3-bureau credit report, and any potential threats detected by Watson AI. They also offer some helpful tools such as a mobile app, an extension for safe browsing, and a social insight report.
If you are in the military, LifeLock offers one of the best identity theft protection services for military personnel because it has the coverage and company stability most people are looking for in 2019. LifeLock has been in business for 14 years, has more than 4.4 million customers, and a 4.5-Star customer rating from over 9,000 member reviews. Additionally, in 2016, LifeLock was named in the Online Trust Honor Roll for excellence in consumer protection, data security, and responsible privacy practices.
LifeLock leverages unique data, science, and patented technology to provide identity theft protection and detection. They also offer proactive identity theft alerts and comprehensive remediation services should you ever become an identity theft victim. This is especially important for military personnel who are often deployed to another country and aren’t able to handle the remediation process themselves.
- Identity theft protection with Norton internet security included
- A million dollar protection package and stolen funds reimbursement
- Access to lawyers and experts when needed
- 60-day money-back guarantee
- LifeLock mobile app
- Lost wallet protection
- Credit bureau, dark web, and privacy monitoring
- Limited protections on basic membership plan
- Membership automatically renews if you don’t cancel it
- Norton protection is not supported on iOS devices
LifeLock offers three identity theft service plans. LifeLock Standard which is $9.99/mo, LifeLock Advantage which is $19.99/mo., and LifeLock Ultimate Plus which is $29.99/mo. These prices are for the first year only. The prices go up after the first year.
The LifeLock protection features you receive will depend on the plan you choose. Their features include SSN and credit alerts, security protection for up to five devices, bank, credit activity, and crimes in your name alerts, one to three annual credit bureau reports and scores, a U.S.-based restoration team, a lost wallet service, USPS address change verification, dark web monitoring, privacy monitoring, data breach notifications, and fictitious identity monitoring. And with the highest tier plan you also get monthly credit score tracking for one bureau, 401(k) activity alerts, attempts to take over your bank accounts and open new accounts in your name, searches of file-sharing networks, sex offender registries, and priority live member support.
*LifeLock does not monitor all transactions at all businesses.
**The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
IdentityForce was recently acquired by EZShield and has more than 40 years of experience to protect your identity. Their services are backed by a million dollar insurance policy and are used by millions of people, Global 1000 organizations, and they are a GSA Tier One provider for the U.S. Government, which is reassuring to military personnel. IdentityForce combines advanced detection technology for monitoring your identity, privacy, and credit security. And, they have 24/7 support, as well as real-time alerts when suspicious activity is detected.
- 14-day free trial
- Advanced detection technology
- A Million dollar insurance policy
- Fully managed restoration services
- Stolen funds replacement
- Advanced fraud monitoring, credit monitoring, and privacy tools
- 24/7 support and real-time alerts
- Trial period cancellation not automatic
- Prices higher than other services (but more features are provided)
IdentityForce has two identity theft protection plans and a Childwatch plan. The UltraSecure plan which is $17.99/mo. or $179.90/yr. and a UltraSecure+Credit plan which is $23.99/mo. or $239.90/yr.
For those looking for the best identity theft protection service for military personnel in 2019, IdentityForce has a comprehensive protection package that includes a wide variety of services such as advanced monitoring for change of address, court records, dark web, pay day loans, sex offenders, and social media identity. They also offer alerts such as bank and credit card activity, a smart SSN tracker, junk mail opt-out, identity threat alerts, fraud alert reminders, medical identification fraud, online computer security tools, two-factor authentication, a lost wallet service, and a mobile app.
IdentityForce has $1 million in identity theft insurance, fully managed restoration services, and toll-free customer service. And if you opt for the upper tier plan, you also get 3-credit bureau monitoring, 3-credit bureau reports, 3-credit bureau credit scores, a credit score tracker, and a credit score simulator.
Why Are Military Personnel Targets of Identity Theft?
As we mentioned earlier, being in the military has some disadvantages being that you aren’t always available to monitor and handle your civilian life, especially if you have been deployed abroad. Also, military personnel are at double the risk of identity theft than the general public is…but why?
Well, it’s very simple really, military personnel are preferred targets for identity theft because criminals know they have a steady, predictable paycheck. And that’s not the only reason, until recently all military IDs were linked to social security numbers, so they were easy to steal. Additionally, there are times that military personnel are in places where they don’t frequently use their identity so it takes longer for identity theft to be discovered. This is just another reason not to post dates, pictures, and your current whereabouts anywhere on social media.
An identity theft incident for military personnel can have severe consequences such as the revocation of their security clearance, etc. However, active military personnel do have some protective options such as placing an “Active Duty Alert” on their credit file and checking all three of their credit files once a year at the very least. They should also consider having their credit files locked or frozen. In addition, they should always shred personal documents, don’t use obvious passwords, be diligent about sharing their social security number and military ID, and never click on links from unsolicited emails. And, of course, the best possible way to proactively deal with this type of threat is to invest in a quality identity theft protection service.
Additionally, many veterans could be eligible for free credit monitoring through the U.S. Department of Veterans Affairs, as well as a program called “More Than a Number” that helps veterans and their beneficiaries with information which teaches them how to protect themselves.
You should absolutely have someone watching out for your best interest while you are in the field watching out for ours.
What to Do If You Are Deployed and Suspect Identity Theft
If you are deployed and you suspect identity theft, you should react as quickly as possible. Stop and analyze the situation—what type of identity theft has occurred, credit, banking, government benefits, etc. and keep thorough notes with names, dates, and times including records of all your actions and don’t throw them away after you believe everything has been resolved because sometimes things can continue to pop up from time to time.
Next, you should:
- Place a fraud alert with one of the three national credit reporting agencies such as Experian 1-888-397-3742, TransUnion 1-800-680-7289, or Equifax 1-888-766-0008. This will help prevent any further accounts from being opened in your name. Once you put a fraud alert on one credit bureau, they will notify the other two.
- Check every one of your financial accounts for fraudulent activity and closely review all three of your credit reports.
- File a report with the local police.
- File a complaint with the Federal Trade Commission (FTC).
- Check your computer and mobile devices for viruses and malware.
- Fill out the Federal Trade Commission’s ID Theft Affidavit to secure your proof of identity because you are going to need to be able to prove that you are who you say you are, probably for years to come.
After an identity theft incident has occurred, it could take hundreds of hours to straighten everything out and this process could take years. However, if you have an identity theft protection service, they will take care of most (but not all) of this for you if you opted for a plan with comprehensive coverage and not just credit bureau monitoring.
If you are in the military and are frequently on active duty, you really can’t afford to be without identity theft protection, especially since you now know that military personnel are preferred targets for this type of crime. You don’t want to risk your military status or your civilian status if you should become a victim of identity theft. This is especially true if you are deployed and don’t have the option of being home where you can quickly get your hands on the documents needed to prove your case or have unlimited access to the phone time needed to contact each of your affected accounts, etc. An identity theft protection service is your best possible option for recovery with as little disruption to your life and your family’s life as possible.
Features of Identity Theft Services for Military Personnel
It’s particularly important for military personnel to have the very best identity theft protection with all the right features, especially since they are a preferred target for identity thieves. Therefore, consider taking some time to learn and thoroughly understand all the different options available to you. Then compare those options to narrow down which service best fits your particular needs. This is the only way you will be able to make an educated decision about which service is right for you.
Here are some of the most common features of identity theft services for military personnel in 2019.
SSN Monitoring is a value-packed feature for military personnel. After all, your incredibly important SSN is often needed to complete piles of paperwork. So it’s natural you’d become a prime target for identity theft. Not to worry — SSN Monitoring searches billions of data points to ensure your SSN isn’t being used fraudulently. If it is, you’re alerted immediately.
Black Market Surveillance
The back-door dealings of military identities is a rising threat. Cybercriminals are buying, selling, and trading everything from addresses and SSN’s, to driver’s license numbers, personal passwords, and the list goes on. Don’t get caught on the losing end of these dirty deals. Get Black Market Surveillance — a feature that searches black-market criminal strongholds to keep your good name safe.
Social Media Monitoring
Military personnel should be especially vigilant on social media. Thieves are constantly lurking and searching for an easy target. Once they find and scrape your personal info, they sell it via the dark web, hacker forums, and other underground trading zones. That’s why Social Media Monitoring is a wise investment. The tech-forward feature goes the distance to protect you from fraud.
Dark Web Monitoring
Dark Web Monitoring is another feature to look for in ID theft services for the military. And the reason is simple — the dark web is a dangerous place where your identity could fall into the wrong hands and cause great harm. So this feature dives deep to scan underground websites, hacker forums, and other place where cybercriminals buy, sell, and trade identities.
Identity Theft Insurance Coverage
Identity Theft Insurance could save you thousands of dollars, perhaps even more. The priceless coverage puts money back in your pocket should you fall victim to costly identity theft. This coverage brings peace of mind for military personnel who are often not around to deal with the fallout. Let the insurance cover the cost and put you back on track.
Pay Day Loan Monitoring
Fast cash at your expense. That’s the payday loan scam. The thief steals your social security number and other information. Then they head to the payday lender to take out a loan in your name — a loan you might have to repay. Not fair, right? That’s why Payday Loan Monitoring is a feature not to be missed for military personnel.
Lost Wallet Protection
Lost Wallet Protection is offered by most ID theft protection services for military. Whether stationed in the U.S., or deploying abroad, you could misplace your wallet — a mistake that strikes fear into the heart’s of men and women. Not to worry! Lost Wallet Protection steps in to cancel and replace credit cards, driver’s licenses, and other sensitive information.
Address Change Verification
Address Change Verification is a powerful feature for military personnel. If you go unprotected, identity thieves can forward your mail to a different address and open accounts in your name. Often, you might be too busy serving our country to receive the address change notice. So this feature monitors for suspicious mail activity and alerts you if necessary.
Leave identity restoration to the pros. You have bigger fish to fry as a member of the U.S. Armed Forces. Identity Restoration is a full-service feature offered by many identity theft protection companies. In the event your identity is stolen — whether stateside or abroad — a team of experts will work to restore your identity to pre-fraud status. Don’t go without it!