Best Identity Theft Protection Services (2022)

Home Security Heroes independently tests and reviews every product. We may earn a commission when you buy through our links. Read more here.

So you have finally decided to give your online security and privacy the due attention and respect it deserves? Good for you! Especially when we consider the fact that literally, no one is safe from identity theft hacks and the enormous damage it brings about.

Top Choices

We have compiled a list of top service providers in the identity theft protection space, so you don’t have to spend hours sifting through the clutter.

  • AURA – Our pick for the best identity theft protection because this is new service to beat on the market.
  • IDENTITY GUARD – 2nd best identity protection because of its coverage.
  • NORTON LIFELOCK – Generous compensation packages and robust surveillance mechanism.

Simply put, identity theft or fraud is any activity that aims to take advantage of your personal credentials without your consent or knowledge. From unauthorized bank account activity to unwanted payday loan application, it can take countless forms.

With the right intention and method, anyone can easily steal someone’s identity and just do whatever he wants with it with you as expense leaving you the burden of proving that it’s not you who committed those activities.    

However, if you have just started out exploring the cyber security space, we are sure you must be feeling as if your head is spinning considering the sheer number of options that are currently available in the market.

That said, we have taken the time to put together a few handy tips to help you decide which one to pick. It includes a list of core factors that must be considered while choosing your identity theft protection service provider. Read our identity theft protection reviews to find out the perfect company service to choose. 

Compare the Best Identity Theft Protection Services

Features
Starting Price
Insurance
Free Trial
Family Plan
Starting Price
$9.00
Insurance
Up to $1M
Free Trial
14 days
Family Plan
Yes
Starting Price
$6.67
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$11.99
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$14.99
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$13.95
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$6.75
Insurance
Up to $1M
Free Trial
None
Family Plan
Yes
Starting Price
$8.99
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$14.95
Insurance
Up to $500K
Free Trial
None
Family Plan
No
Starting Price
$13.49
Insurance
Up to $1M
Free Trial
30 days
Family Plan
Yes
Starting Price
$15
Insurance
Up to $1M
Free Trial
None
Family Plan
No

Best Identity Theft Protection Reviews [Updated 2022]

Within the following section, you will find an overview of the key features and plans of these services.

1. Aura Identity Theft Protection Review

Aura Logo

PROS

  • Unmatched $5 million lost funds insurance plan
  • Fast, accurate identity monitoring
  • White Glove Concierge customer support
  • Relatively low price

CONS

  • Somewhat clunky UI
  • VPN and antivirus plan are only so-so

The successor to Identity Guard, Aura is the new service to beat on the market. Since it’s an iteration of an already excellent service it shares much of the same technology, lending it an inherent legitimacy that many other new services lack.

Its performance is top-of-the-line, and sets a new standard for other identity theft protection services to try and meet.

On top of a standard service it also offers a decent antivirus and VPN plan and excellent family plans.

Even better, it offers all of this at a competitive price; even lower than its predecessor.

This is the new high bar for identity theft protection. You can try Aura free trial for 2 weeks.

Plans & Pricing

Aura’s pricing plan is divided into two major categories (individual and family plans) with a choice of three different tiers of service. They offer a 14-day free trial.

Value
Total
Ultra
Price
Month to Month (Individual)
Value
$9.00 /month
$108.00/year
Total
$16.00 /month
$192.00/year
Ultra
$24.00 /month
$288.00/year
Annual(Individual)
Value
$7.00 /month
$84.00/year
Total
$13.00 /month
$156.00/year
Ultra
$20.00 /month
$240.00/year
Month to Month (Family Plan)
Value
$15.00 /month
$180.00/year
Total
$22.00 /month
$264.00/year
Ultra
$30.00 /month
$360.00/year
Annual (Family Plan)
Value
$12.00 /month
$144.00/year
Total
$18.00 /month
$216.00/year
Ultra
$25.00 /month
$300.00/year

The Value plan offers the least value, cutting out many of the monitoring tools, while the Ultra plan is the whole package, with better insurance, monitoring, and customer support.

2. Identity Guard ID Theft Protection Review

PROS

  • Up to $1 million Insurance for Stolen Funds
  • It’s AI-Assisted
  • Added Security Features

CONS

  • Expensive family identity theft plan
  • $1 bump in the monthly bill after 12 months

Identity Guard started operations almost 2 decades ago in 2001. Over the years, it has gone onto to become a sought-after brand as an online identity theft protection company. The core of this framework is powered by IBM’s Watson artificial intelligence.

It comes along with easy-to-use Android and iOS apps. It has also added an extra layer of security with anti-phishing features and has simplified functionality with extensions for Chrome, Firefox and Safari browsers. This is our 2nd pick for the best identity protection because of its coverage. It is also a great option for those looking for a package for their family. 

Get 33% OFF
Grab It Now

Plans & Pricing

Identity Guard offers a simplified plan structure with a 30-day money-back guarantee. Let’s take a closer look. You will be eligible to get a decent reduction on your monthly bill should you choose their annual plans.   

 
$6.67 /month
Basic Value Plan
  • It will cost $6.67 a month and offers an insurance cover of up to $1 million. Moreover, they assign a dedicated case manager to ID theft cases.
$13.33 /month
Total Protection Plan
  • This plan is significantly more expensive at $13.33 a month. However, in addition to the features of the Basic Value Plan, it will monitor your bank account for unlawful activity. Also, you will be provided a monthly credit score from VantageScore 3.0.
$19.99 /month
Premier Plan
  • The plan will run you a monthly bill of $19.99. You will get all the features from the other two plans. The plan also comes with credit monitoring reports from Equifax, Experian. FICO and VantageScore 3.0
Family Plans
  • Identity Guard Couple Plan covers two adults under a single address and will cost $14.99 a month.
  • Parent and Children Plan will cost $29.99 a month and will keep one adult and all the children safe under a single address.
  • Identity Guard Family Plan will cover you and your partner plus the children.

3. LifeLock Review

PROS

  • 60-days money-back guarantee
  • ID theft stolen funds insurance coverage of up to $1M
  • 3 Credit bureaus to provide credit report

CONS

  • Expensive family identity theft plan
  • $1 bump in the monthly bill after 12 months

With a huge customer base and a towering reputation to match, LifeLock is quite easily one of the top brands out there. From generous compensation packages and robust surveillance mechanism to a smooth account restoration process, there is plenty that this service brings to the table.

Get 25% OFF
Get It Now

Plans & Pricing

Lifelock offers a pretty straight forward plan menu with 3 variations of the individual plan and a family plan. 

 
$11.99 /month
LifeLock Standard
  • It is priced at $11.99 a month. The annual plan will cost you about 13% less. You will get up to $1 million in case of lost identity plus an additional $25,000 for immediate financial loss and an additional $25,000 to take care of your personal expenses. However, you’ll have to subscribe to a pricier plan if want your credit reports or credit scores.
$23.99 /month
LifeLock Advantage Plan
  • It will set you back $23.99 for the month but you can bring down your monthly bill to $20 if you choose the annual identity theft protection plan.
  • Apart from the features of the Standard plan, the extra bump in the price will get you $100,000 each for financial loss and personal expenses compensation.
  • The cherry on top – you will get an additional Equifax credit report and Equifax VantageScore 3.0 credit score.
$34.99 /month
LifeLock Ultimate Plus Plan
  • It will run you a monthly bill of $34.99 but it truly sweetens the deal with $1milion to cover personal expenses for victims of identity theft. That’s in addition to the $1million insurance cover.
  • The plan also provides reports from all 3 credit agencies and sex offender reports.
$5.99 /month
Lifelock Family Plan
  • It will cost you 5.99 per month per child to add your children and you can add no more than 10 children per plan. But you’ll have to shell out for an extra individual plan to add your spouse.

4. IdentityForce Review

PROS

  • Unauthorized Loan Application Alerts
  • Up to $1M compensation in case of ID theft
  • Medical Information Monitoring

CONS

  • Not easy to sign up for their family plan, it can only be done through phone

Headquartered in Framingham, Massachusetts, IdentityForce opened its doors in 2005.  It is owned by EZShield, Inc.

Apart from a simplified interface, IdentityForce offers an extensive security feature bucket, which includes Social Security Number or SSN screening, bank account & credit cards monitoring, loan checks, drivers’ license screening, and public record information monitoring.

Get BIG Discount
Protect Yourself Now

Plans & Pricing

IdentityForce has two tiers of personal plans plus a family plan. Moreover, each plan comes with a 2-week trial period to help you decide if it’s the right fit.

 
$14.99 /month
UltraSecure
  • You can subscribe to it for $14.99 a month or $149.90 per year.
  • You will get unauthorized access notifications, Social Security Number or SSN monitoring, bank activity alerts, loan checks, court & dark web monitoring, sex offender list, and social media screening.
  • The plan also offers anti-spam features. ID theft victims are eligible for up to $1 million in insurance coverage.
  • The plan also bundles in wallet loss assistance and medical identity theft protection services.
$199.90 /month
UltraSecure + Credit
  • It will cost $19.99 per month or $199.90 annually; even with the annual identity theft protection plan it isn’t cheap. But, in addition to the features of the UltraSecure plan, this plan provides quarterly credit reports from all 3 major credit firms.
$2.75 /month
IdentityForce Family Plan
  • For 1 adult and 1 child, you only have to pay $2.75 per month in addition to your individual plan
  • For 2 adults and 2 or more children, you will have to pay an additional $25 (for UltraSecure) and $36 (UltraSecure + Credit) a month. However, you can add as many minors as you like.

5. IDShield Review

IDShield

PROS

  • Extremely budget friendly
  • Excellent monitoring speed and accuracy
  • Credit monitoring can be cut for more savings

CONS

  • Limited customer support hours
  • Lower breadth of monitoring than competitors
  • Expensive family plan deals

IDShield is a budget service that nevertheless provides performance that beats out most of its competitors. Fast and accurate monitoring form the backbone of IDShield, and what it lacks in monitoring breadth it makes up for by being detailed and powerful, while maintaining a price point close to most services’ “value” plans that offer minimal performance.

Unfortunately, its lack of additional services and pricey family coverage may make it an unappealing option to many users, but IDShield is perfect as a “beginner” plan for someone looking for cheap, reliable service that won’t let them down in the end.

Get Protection
with IDShield today!

Plans & Pricing

IDShield offers two main service plans, as well as family plans for each tier. However. The value of these plans is not created equal.

Individual Plan
Family Plan
Price
Individual Monthly
1 Bureau Credit Monitoring
$13.95 /month
3 Bureau Credit Monitoring
$17.95 /month
Family
1 Bureau Credit Monitoring
$26.95 /month
3 Bureau Credit Monitoring
$32.95 /month

IDShield’s 3 bureau credit monitoring is a costly increase over the 1 bureau plan, and in the grand scheme of things does not offer significant additional value (credit monitoring is available for free from various services).

Likewise, their family plans are little better than simply paying for two plans, making it hard to justify buying them, as higher performance services tend to actually offer their family plans for a similar or even lower price than IDShield.

While their Individual 1 bureau plan is a personal favorite, the rest of their service plans are extremely lackluster by comparison and should be avoided.

6. Zander Identity Theft Solutions Review

PROS

  • Decent Security at an Affordable Price
  • Up to $1 million Cover
  • Reliable Customer Care

CONS

  • No credit screening

Zander Insurance Group is a well-respected name in the insurance space and has been in the business since the early 1920s. Over the past few years, it has also stepped into identity theft protection services. It took off after being endorsed by Dave Ramsey – a respected personal finance expert.

It monitors your financial, tax information along with the medical records. It also offers coverage of social security fraud, child identity theft, employment fraud, and title fraud. ID theft victims are eligible for compensation of up to $1 million along with account restoration assistance.

Plans & Pricing

Zander has structured its plans with the goal to provide best identity protection service at an affordable price point. It offers a single variation of its individual plan along with a family plan.   

 
$6.75 /month
Individual Plan
  • At $6.75 a month, Zander’s Individual plan is probably the cheapest identity monitoring service to get started.
  • You can score a further discount on the annual plan. Your monthly bill will come down to $6.25.
  • The plan includes all the above-mentioned features along with lost wallet assistance.
  • The insurance cover is up to $1 million, plus personal expense compensation at $7500 per month
$12.90 /month
Zander’s Family Plan
  • The family plan is also very reasonable at only $12.90 a month or $145 for the year.
  • It covers 2 adults and there is no limit on the number of children up to age 25.
  • It is also commendable that even with low prices; Zander provides a customer service that rivals some of the top names in the industry. You will have 24-7 access to it.

7. Costco Complete ID Review

PROS

  • At under $9 per month, it’s quite affordable
  • User-friendly Dashboard
  • Swift Complaint Resolution

CONS

  • Only available to Costco Members
  • Doesn’t offer Social Media Surveillance
  • No Mobile App

Contrary to the popular belief, Complete ID is not operated by Costco. It came into existence as a result of a partnership between Costco and Experian, a respected name in identity theft protection space. Costco only lends its brand name, however, Experian directs its functionality.   

Complete ID offers dark web surveillance, Social Security Number or SSN monitoring, criminal record monitoring, payday loan alerts, child identity theft protection services, financial account takeover services, and neighborhood watch.

Plans & Pricing

Most identity theft protection services structure their plan offers according to the number of protection features you choose. Complete ID, however, has taken a different approach. You will be able to choose a plan according to the Costco membership you have.  Here’s the breakdown:  

 
$8.99 /month
Executive Members
  • Regular price: $8.99 per month
  • Child protection: $2.99 per month per child (for up to 5 children)
$13.99 /month
Business & Gold Star Members
  • Regular price: $13.99 per month
  • Child protection: $3.99 per month per child (for up to 5 children)


8. ID Watchdog Review

PROS

  • A trouble-free ID restoration process
  • 2-tier data surveillance for enhanced ID security
  • Very Easy to cancel your plan

CONS

  • No Family Plans
  • Doesn’t offer Social Media Surveillance
  • Login process can be complicated

ID Watchdog has been in business since 2005. Over the past decade and a half, it has carved a respectable name for itself in identity theft protection.

That’s partly because Equifax (a well-known consumer credit report agency) owns and runs it. It offers a wide variety of theft protection services, which include internet/dark-web monitoring, loan database monitoring, credit monitoring, $1 million insurance cover, credit scores and national provider identifier (NPI) alerts.  

Plans & Pricing

ID Watchdog offers two plans – Plus and Platinum.

 
$14.95 /month
ID Watchdog Plus
  • It costs $14.95 per month. However, if you sign up for their annual plan, your monthly bill will be reduced to $12.50. The plan doesn’t offer access to credit scores and reports.
$19.95 /month
ID Watchdog Platinum
  • It will run you $19.95 a month. Howsoever, you get the yearly credit scores and reports from Equifax, TransUnion, and Experian. If you sign up for the year, you can bring down your monthly bill to $18.25 a month.

You’d be disappointed if you’re also looking to bring your family under identity theft protection as ID Watchdog doesn’t currently offer any family plans.

How to Choose the Right One For You?

Literally, every identity theft protection service you come across will try and paint itself as the next Fort Knox. However, that is not always the case and often they fall short of the tall, shiny claims. There are several core features that you must consider while shortlisting an ID protection service. Let’s see what they are:

1. Recovery Insurance Policy

Complete ID identity theft protection lets you quickly notice when somebody uses your personal information to commit fraud. The platform notifies you when a fraudster opens a new credit line or bank account using your name to prevent or minimize financial loss. It includes SSN, dark web, and court records monitoring to protect you from the hefty price of identity fraud.

2. Family Coverage Policies

Complete ID identity theft protection lets you quickly notice when somebody uses your personal information to commit fraud. The platform notifies you when a fraudster opens a new credit line or bank account using your name to prevent or minimize financial loss. It includes SSN, dark web, and court records monitoring to protect you from the hefty price of identity fraud.

3. Dark Web Monitoring

Even if the hacker doesn’t immediately get hold of your money; your personal information alone can net him a decent profit. In all likelihood, your sensitive information will end up on the dark web – available to the highest bidder. Before any of this happen to you, you must spot the warning signs of identity theft so you can take actions right away.

So while choosing an ID protection service provider, you must make sure that they have a robust framework to constantly screen the dark web for any information related to you or your family members and avoid any suspicious activity. It’s paramount that your service is able to detect your information quickly because it profoundly impacts your chances of minimizing damage by letting you respond swiftly.

But you can’t just be too complacent, you also have to do your part and report these identity theft that has been happening around you to help other people from becoming a victim.      

Read More: 6 Best Practices When Surfing the Internet

4. Credit Monitoring

Damage to your credit as a result of identity theft will severely damage your short term and long-term financial standing. Your ability to take out loans or make financial outlays will be severely impacted.

Most service providers offer some degree of credit monitoring but it varies in efficacy, cost and the extent of screening. Some services will provide very limited screening while others will provide you a comprehensive credit report from all 3 major credit bureaus. However, such a report maybe be reserved for premium or mid-tiered memberships, meaning that you will have to shell out extra.

Even if you don’t currently have any major financial outlays planned, it’s a wise choice to keep a sharp eye on your credit cause you never know when identity theft is going to happen. So we recommend choosing at least some form of credit screening even if you have to pay a few extra dollars.

Read More: Best Credit Monitoring Services

5. Types of Damages That You May Encounter

As mentioned earlier, there are plenty of ways that hackers can use to take advantage of your stolen identity and personal information. Let’s explore what are some of the most common types of ID theft damages so you’ll know about the things you must do in case your identity gets stolen.

a. Financial

It is the most obvious and the juiciest prize for most ID thieves. They will use your personal information to gain unauthorized access to your bank account or credit card data. So it’s a great option to minimize the use of your credit cards and always destroy your ATM receipt after use. Moreover, never share your banking information because of the possibility of data breach.

b. Criminal

The other equally damaging ID theft type is when your stolen identity and personal information is used to commit unlawful acts. Subscribing to an ID protection service will give you the chance to keep yourself safe as it will constantly monitor court records and let you know if your name pops up without your knowledge.

Read More: What is Dumpster Diving Identity Theft?

c. Medical

Medical identity theft takes place when the hacker obtains your personally identifiable information (PII) to access medical services. It is very likely that you will receive a hefty bill for services that you never requested. This may further affect your credit score negatively because medical fraud can take a while to be settled. Such an attack may also lead to your electronic health record (EHR) to be altered without your knowledge. 

How Important is It To Protect Yourself? 

There are several compelling reasons why it makes sense to subscribe to a decent identity theft protection service

1. Monitoring

There are literally thousands of data points that a hacker can exploit to gain access to your sensitive personal information and pictures. The sheer number of potential gaps and suspicious activity makes it virtually impossible for you to monitor yourself.  An ID protection service will have a reliable identity theft protection screening framework to ensure constant screening of such data points such as credit monitoring and other personal details.

Take for example the case of identity theft of driver’s license, criminals can very much do lots of things with it and various crimes which can involve your name in it just by using the information within that license.

2. Alerts

The impact of an ID hack is multiplied tenfold if you don’t respond immediately after the breach. The quicker you respond, the minimal the damage will be and you will have peace of mind. An ID protection service will alert you immediately through multiple mediums such as text, email, and phone calls. This greatly improves your chances of protecting your personal information especially when expose yourself with the risk of using public wifi.

Read More: The Rising Rates of Identity Theft This Coronavirus Pandemic

3. Information and Financial Recovery

We’re sure you must have heard the horror stories of how ID theft left someone on the brink of financial ruin. This is where having an ID protection service really pays off. Depending on the plan you choose, you can receive an insurance cover of up to $1 million for ID theft-related financial loss. Moreover, such services may also assign you a dedicated case officer to recover your accounts. 

Final Verdict

All of the identity theft protection services featured in this article have pros and cons. And it would be naive to assume there is a one-size-fits-all service. We all have unique requirements and eventually, it will come down to the level of benefits, protection you deem appropriate and the amount you’re willing to spend. If you’re not exactly sure or just starting out, it’s great to start out with the cheapest possible option. But if you are looking for the best identity protection service, we recommend that you check out LifeLockIdentity Guard, or IdentityForce

Get 33% OFF
Get Identity Guard

To read other HSH articles, go back to Homepage. For those looking for the latest updates on security and alerts, go to News.

Last Updated on