Best Identity Theft Restoration Services

Unfortunately, identity theft happens. When it does, you want to make sure you have an identity theft restoration company on your side. Check out our list of the best identity theft insurance restoration services below.



Identity Guard falls on the more affordable side. Their identity protection plans include theft restoration services like reimbursement of up to $1 million in stolen funds. If fraud occurs, one of their case managers will personally guide you through the...

System Features

  • Credit monitoring for up to three bureaus
  • Social security number monitoring
  • Identity recovery
  • Up to $1 million in identity theft insurance coverage
  • Monitoring powered by IBM Watson artificial intelligence

Best For:

  • Individuals
  • Families


LifeLock’s restoration services include reimbursement of up to $1 million**** in funds and an assigned Identity Restoration Specialist. Plans can get pricy, but the company’s vast range of offerings includes everything from data breach notifications to Norton Security for your...

System Features

  • Credit monitoring for up to three bureaus
  • Social security number monitoring
  • Identity theft insurance and recovery services
  • Norton 360 antivirus and connected device security (select plans)
  • VPN (select plans)

Best For:

  • Individuals
  • Families


Our top pick, IdentityForce, provides 24/7 Certified Protection Experts to identity theft victims. You’ll get help filling out paperwork, making phone calls, and more. Restoration services come with two IdentityForce plans, which range from $17.99 to $23.99 per month.

System Features

  • Credit monitoring for up to three bureaus
  • Social security number monitoring
  • Identity theft recovery experts available 24/7
  • $1 million in identity theft insurance

Best For:

  • Individuals
  • Families

Top 5 Highest Ranked Identity Theft
Restoration Services For 2021

Best Identity Theft Restoration Services Unfortunately, identity theft happens. When it does, you want to make sure you have an identity theft restoration company on your side. Check out our list of the best identity theft insurance restoration services below.

Identify theft is rampant in America. Identity theft criminals engage in complex schemes that are difficult to detect. Most people are not even aware that they are the victim of identity theft until long after the damage is done. Identity theft can have a devastating effect on victims’ lives. Fortunately, there are companies that can help restore a person’s identity. Here are five of the top identity theft restoration companies in 2021.

1. Identity Guard – Best Overall Restoration Services


Identity Guard offers theft restoration services as part of its identity protection plans. Identity restoration is just one of the many features of Identity Guard’s plans. The identity restoration service includes up to $1 million in stolen funds reimbursement.

Identity Guard’s theft restoration plans also include IBM® Watson™ Artificial Intelligence. This A/I technology monitors and processes over a billion of pieces of information to alert you about threats to your identity.

Identity Guard also features a dedicated case manager who will continue to follow up with you for 60 days after case resolution. The case manager will provide you with personalized guidance and action steps when you confirm fraudulent activity. You also get a risk management score, which tells you how well you are managing risk and your monthly credit score.

Compared to its competitors, Identity Guard’s services are very affordable. Plans range from $7.20 a month to $19.99 a month. The lowest-tier plan includes a surprisingly large number of useful features. Identity Guard also offers three family plans that range from $11.99 a month to $27.99 a month.


  • 24/7 US-based customer service center
  • U.S.-based case manager
  • High-risk transaction alerts
  • Dark web alerts
  • Mobile application for iOS and Android
  • Family plans available


  • Complaints about poor customer service
  • No standalone identity theft restoration services. You must purchase a complete identity theft protection plan.

Identity Guard provides comprehensive identity monitoring. It does not offer identity theft restoration only plan. You must purchase a complete identity theft protection plan to get this service.

The pricing is fair compared to competitors. However, there have been complaints about poor customer service. If you want a comprehensive low-cost identity protection and restoration plan and are willing to overlook previous customer service complaints, then Identity Guard might be a good option for you.

© Identity Guard All Rights Reserved. Identity Guard, Total Protection, Monitor, Protect and Recover and associated designs are trademarks or federally registered trademarks of Intersections Inc. Equifax is a registered trademark of Equifax Inc., and other trademarks are trademarks of their respective owners.

Disclaimer: This content is not provided or commissioned by the companies referenced in this article. Opinions expressed here are the author’s alone and have not been reviewed, approved or otherwise endorsed by the companies mentioned. We may be compensated through advertiser affiliate programs.

2. LifeLock – Best Customer Service


LifeLock offers identity theft restoration services as part of its identity theft protection plans. LifeLock can be installed on up to five devices. The software runs continuous updates to be sure that you are protected against the latest threats.  LifeLock uses its proprietary technology to search for and alert you to potential security threats.

If your identity is stolen, then a LifeLock Identity Restoration Specialist will be assigned to your case to assist you with restoring your credit and identity. LifeLock restoration services include reimbursement of up to $1 million in funds**** depending on the amount of protection that you choose.


  • Personal expense compensation
  • Coverage for lawyers and experts
  • Lost Wallet protection
  • Includes Norton Security
  • U.S.-Based restoration team
  • Data breach notifications
  • Free iOS and Android app
  • 24/7 member support
  • Easy enrollment


  • The most expensive plan (Norton 360 with LifeLock Ultimate Plus) is required for bank alerts, fictitious identity,  monitoring, and monthly credit score tracking.
  • Plans are more expensive than some competitors
  • The Standard Plan only offers $25,000 in stolen funds reimbursement****.
  • You cannot purchase identity theft restoration only. You must purchase a complete identity theft plan.

LifeLock has a comprehensive list of useful features like dark web monitoring, fictitious identity monitoring, and investment account alerts. It also includes a subscription to Norton Security3. The main drawback is that you must purchase the most expensive plan to get monthly credit score tracking. This plan (Norton 360 with LifeLock Ultimate Plus) is pricey at $34.99 a month. However, it comes with tons of useful features like $1 million in stolen funds reimbursement and $1 million in lawyer coverage****.

*LifeLock does not monitor all transactions at all businesses.
**Terms apply to all LifeLock plans.
***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.
****Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at:

3. IdentityForce – Best Personalized Solutions


IdentityForce offers complete identity recovery services. Certified Protection Experts are available 24/7 to help identity theft victims. They will assist customers in filling out all of the paperwork and making calls to get identity issues resolved.

There are two plans available with varying levels of protection. The Ultra Secure plan is $8.99 a month and includes credit alerts, fraud monitoring, and restoration services. The Ultra-Secure + Credit is $19.99 per month. This plan has all of the benefits of the Ultra Secure plan plus it adds 3-bureau credit monitoring.


  • 24/7 assistance from Certified Protection Experts
  • $1 million stolen funds replacement protection
  • $1,500 per week in lost wages protection
  • $2,000 total in elder care expenses
  • $2,000 in travel expenses
  • No deductible
  • Free 14-day trial
  • Email, live chat, and telephone customer service
  • Toll-free customer service


  • Does not offer online cancellation. You must call to cancel service.
  • Support website lacking in detail
  • No standalone identity theft restoration

IdentityForce is one of the best identity theft restoration companies on the internet. It offers a variety of tools that help users prevent, detect and recover from identity theft. The main drawback is the support website. It is very limited and there is no way to cancel the service online.

4. ID Watchdog – Best Restoration Guarantee

ID Watchdog

Like the other services that we have reviewed in this article, ID Watchdog offers a complete identity theft monitoring and restoration plan. With ID Watchdog, you get monitoring of both credit and bank accounts. You also receive monitoring and alerts related to high-risk transactions, such as those that take place on the digital black market.

ID Watchdog includes up to $1 million in identity theft-related expenses. It also includes expert assistance. As soon as a threat to your identity is detected, you will be notified. Then, if you are a victim of identity theft, ID Watchdog’s restoration services will completely resolve the issue. The call center is open 24/7 and offers assistance in more than 100 languages.

ID Watchdog offers two identity protection and restoration plans — the ID Watchdog Plus and ID Watchdog Platinum. These plans are $14.95 a month and $19.95 a month respectively. You can save $20 or more by signing up for a yearly plan.


  • Advanced identity monitoring included
  • Email and SMS notifications
  • 24/7 call center
  • Support in more than 100 languages
  • Public records and address change alerts
  • Non-credit loan monitoring and alerts
  • Payday loan alerts
  • Internet black market surveillance
  • $1 million in theft protection services
  • Discounts on yearly plans


  • The base plan does not provide credit monitoring or scores
  • No standalone identity restoration plan

ID Watchdog offers an affordable, full-service identity monitoring, protection, and restoration. The prices are in line with what competitors’ are charging. ID Watchdog guarantees 100 percent restoration in the event of identity theft. However, there are a few exclusions in the fine print. So, it is worth it to examine it carefully.

5. Zander Insurance – Most Affordable

Zander Identity Theft

Zander Insurance Group has been in the business of more than 80 years. This plan is the only one endorsed by Dave Ramsey. Zander offers up to $1 million in stolen funds reimbursement. The $1 million also includes legal expenses.

Zander Insurance theft protection and restoration plans include access to a Certified Recovery Specialist, who will provide “white-glove” services in the event of an identity theft situation.  Zander Insurance plans also protect against all kinds of identity threats from medical to social security fraud.

Zander’s theft protection plans are some of the most affordable available. They start at just $6.75 a month.


  • Includes $1,000,000 in stolen funds recovery
  • 24/7/365 customer service
  • Kids included free in the family plan
  • Protects against all types of id theft
  • Proactive monitoring & alerts
  • Affordable protection


  • Doesn’t offer as many features as competitors
  • Doesn’t offer standalone theft restoration

Zander Insurance offers one of the lowest-priced comprehensive identity theft and restoration services on the market. The individual plan is just $6.25 a month if paid yearly. However, Zander’s plan does not offer many of the features that other companies offer, such as dark web monitoring and payday loan alerts. However, Zander’s plan is ideal if you are looking for basic theft protection and restoration at a low cost.

Features of Identity Theft Restoration Services

Here are some other features of identity theft restoration services that you should look for when shopping for a plan.

SSN Monitoring

If an ounce of prevention is worth a pound of cure, then SSN monitoring is a must-have feature. After all, if a thief steals your SSN, they could go on to cause tremendous damage. SSN monitoring scans billions of data points across the internet, looking for your personal info. If suspicious activity is flagged, you’re the first to know.

Bank Account Takeovers

One minute your bank account is looking pretty healthy, the next minute it’s completely drained. That’s the reality for victims of bank account takeover. Thankfully, many identity theft protection services offer a Bank Account Takeover feature along with a restoration guarantee. This feature sends alerts when questionable transactions occur, and also restores funds in the event of takeover and theft.

Credit Score Reporting

Credit Score Reporting is a top feature offered with identity theft restoration plans. Your credit score is a surefire way to know if your identity has been stolen. The service will come with monthly and/or yearly reports. This way you can track your credit and monitor for suspicious activity. Just remember — if your score dips, you may have been duped.

Credit Score Monitoring

Credit Score Monitoring goes one step further than the reporting feature mentioned above. Identity theft restoration companies stack serious value by monitoring your credit score, day in and day out. They tap the main credit bureaus to keep a hawk-eye on the almighty credit report. And they monitor for unusual activity so that you don’t have to. Now that’s white-glove service.

Identity Theft Insurance Coverage

Insurance is another must-have feature when shopping for identity theft protection and restoration plans. Some providers really put their money where their mouth is by offering $1 million in coverage. This policy covers the costs associated with identity theft restoration. As you know, identity theft often comes with a steep price tag. So don’t pass up the peace of mind.

401k and Investment Activity Alerts

If you could prevent fraud from happening, you would never need a restoration service. While eliminating fraud is unrealistic, there are features like 401k and Investment Activity Alerts that make it far less common. This feature is not to be missed. If you care to keep your hard-earned savings and investments in your possession, it’s recommended you get this alert feature.

Bank and Credit Card Activity Alerts

Not every identity theft protection plan includes this helpful feature, so be on the lookout for it. Bank and Credit Card Activity Alerts will pay dividends if a cybercriminal ever gets his thieving hands on your personal information. This technology constantly monitors your accounts, and you receive timely alerts if suspicious activity unfolds.

Loan Application Monitoring

Here’s yet another top feature included with many identity theft restoration plans. Loan Application Monitoring scours loan databases looking for your personal information. The moment a fraudster applies for a loan in your name, a red flag raises, and you get notified. This buys you the time needed to take immediate and direct action to thwart the attack.

Pay Day Loan Monitoring

This nefarious scheme is on the rise. So it’s recommended to find an identity theft restoration service that includes Payday Loan Monitoring. After all, it’s relatively easy for a criminal to take out a loan in your name. And you’re expected to repay the loan while the bad guys are celebrating with your hard-earned money. Get real-time alerts when it matters most.

Reviewed By
Travis Goodreau
Expert Advisor
Travis is a retired Burglary Detective, having tallied 5,000+ burglary and theft cases throughout his career. He also served as an Arson Investigator, where he cracked the case of a serial arsonist, and made the arrest and prosecuted the would-be bomber of ABC-7 Studio in LA. We couldn’t be happier to have him as a Safety and Security Advisor. Learn more about Travis here
Written By
Andrew Garcia
Lead Security Editor
As Lead Security Editor, Andrew strategically guides and the resources we publish. He holds a BA in business, and has 10+ years of experience in content development. Today, Andrew edits and publishes articles, guides, and other resources to meet our rigorous standards. Learn more about Andrew here

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