AllClear ID and ProtectMyID identity theft protection services come with paid package options that offer useful, legitimate credit and identity monitoring at a reasonable price.
However, when it comes to the AllClear ID vs. ProtectMyID debate, we think there’s only one winner. While AllClear ID provides decent, 1-bureau credit monitoring and Social Security tracking for $14.95 per month, ProtectMyID offers far more extensive identity monitoring and dark web tracking services. ProtectMyID also provides a free monthly plan that includes Lost Wallet Protection and 1-bureau credit monitoring for AAA members.
TABLE OF CONTENTS
Let’s take a more in-depth look at the pros and cons of each protection service so you can find the right one for you and your family.
Provides more comprehensive identity monitoring than AllClear ID, with dark web tracking included in the Deluxe and Platinum plans.
- Includes 1-bureau credit monitoring and is FREE for AAA members.
- Can offer dark web, SSN, and 3-bureau credit monitoring
- Can provide extensive identity monitoring features, including sex offender registry and social media tracking.
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AllClear ID vs. ProtectMyID: Comparison
AllClear ID Features and Services
The ProPlus package comes with identity monitoring services and a 1-bureau AllClear ID credit monitoring feature. You’ll also receive full access to a team of identity theft recovery experts.
Social Security Number Monitoring
The ProPlus monthly package includes SSN monitoring, which alerts you if your Social Security number appears where it shouldn’t in any change of address requests, loans, or bank withdrawals.
Identity Theft Recovery Resources
Both of the AllClear ID plans provide you with access to AllClear ID’s recovery services. You can talk to trained professionals who help you freeze your credit and contact your creditors.
Free Company-Sponsored Plans
One of the AllClear ID identity theft protection services’ best features is that it caters to big businesses. Your company may offer you this package, and that means you’ll get a redeemable code that can provide you with identity theft protection for free.
ChildScan Monitoring Services
The closest thing you’ll find to an AllClear ID family plan is the ChildScan add-on that allows you to keep track of your child’s SSN activity. It’s a shame that this highly beneficial feature comes at an overpriced monthly rate of $4.95. You can find other child monitoring services for half that cost.
Pros and Cons
Plans and Pricing
When it comes to the AllClear ID plan options, you can either sign up as an individual or an organization. If you sign up for the individual strand, you’ll have a choice between the Basic and the ProPlus plans.
AllClear ID Basic Plan
This option is completely free and offers you full access to the company’s identity theft recovery services. These professionals will help you to reclaim the money you’ve lost and work with you to rebuild or freeze your credit.
This plan doesn’t include credit or identity monitoring services, so you won’t be able to keep up to date with unusual changes in your credit reports.
AllClear ID ProPlus Plan
This plan costs $14.95 a month and grants you access to a 2-tier identity monitoring service that includes credit and Social Security monitoring. We found it disappointing that the ProPlus plan only offers 1-bureau monitoring for TransUnion, which means you won’t have access to vital data from the other two national credit bureaus.
You also won’t receive social media or sex offender registry monitoring with the ProPlus plan.
ChildScan Add-On Service Plan
This optional add-on plan costs an extra $4.95 per month and monitors the use of your child’s Social Security number.
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ProtectMyID Features and Services
ProtectMyID credit monitoring services are relatively comprehensive. The Essential plan includes 1-bureau monitoring, while the Deluxe and Platinum packages offer credit report tracking for all three of the major bureaus: Experian, Equifax, and TransUnion.
Lost Wallet Protection
All 3 ProtectMyID plans come with Lost Wallet Protection, which allows you to log any credit cards and essential identity documents that you have in your wallet. You add these to the ProtectMyID web app, which will enable you to keep track of which banks and agencies you need to contact if someone steals your wallet.
AAA Premier members receive up to $10,000 in identity theft coverage on the Essential plan, while both the Deluxe and Platinum plans provide insurance coverage of up to $1,000,000.
If you have either the Deluxe or the Platinum package, you’ll receive regular updates on your Experian credit score (VantageScore). You won’t have access to your TransUnion, Equifax, or FICO scores.
Identity and Social Media Monitoring Services
The ProtectMyID identity theft protection features are extensive, with the Platinum plan offering several different identity monitoring services. You can keep track of changes to your social media and watch for any suspicious activity regarding your SSN or your personal bank accounts.
Dark Web Monitoring
The ProtectMyID Deluxe and Platinum plans also offer dark web monitoring services. This specialist software can access and search through dark web sites that steal people’s personal information. You’ll receive a real-time alert or notification if this scan finds anything about your stolen identity.
Child Identity Coverage
You can pay an extra $3.95 per month on the Deluxe plan to cover up to 10 children. This identity theft coverage will help you and your family if your child’s SSN is stolen and used to commit fraud. The Platinum plan includes this coverage.
Pros and Cons
Pricing and Plans
All of the ProtectMyID monthly packages are only available to AAA members. There are 3 basic levels: Essential, Deluxe, and Platinum.
- Offers decent 1-Bureau Credit Monitoring
- Lost Wallet Protection
- $10,000 of identity theft Insurance Coverage
- includes 3-bureau, Dark Web, and SSN Monitoring
- Experian VantageScore
- Up to $1,000,000 in Insurance Coverage
- Offers Extra Beneficial Features
- Social Media and Sex Offender Monitoring
- Child Identity Theft Coverage
- Real-Time Credit Limit Alerts
ProtectMyID Essential Plan
The Essential plan is completely free for AAA members, and it offers decent 1-bureau credit monitoring, Lost Wallet Protection, and up to $10,000 of identity theft insurance and coverage. You’ll only receive this insurance if you’re a card-carrying AAA Premier member.
ProtectMyID Deluxe Plan
The Deluxe plan costs a monthly rate of $10.95 and includes 3-bureau, dark web, and SSN monitoring as well as your Experian VantageScore and up to $1,000,000 in insurance coverage. If you want additional child identity coverage features, you need to pay an extra $3.95 each month.
ProtectMyID Platinum Plan
The Platinum plan will cost you $15.95 each month and offers extra beneficial features such as social media and sex offender monitoring, child identity theft coverage, and real-time credit limit alerts.
We appreciate several aspects of the AllClear ID identity theft protection service. The company-sponsored packages provide many employees with relatively extensive credit monitoring and insurance coverage, all completely free.
However, we think that ProtectMyID offers a lot more in terms of identity tracking and protection, with its premium paid plan providing social media, sex offender, and dark web monitoring. We also really appreciate that the ProtectMyID free program includes essential credit monitoring and Lost Wallet Protection.
We’re impressed by ProtectMyID’s range of free and paid plans available to AAA members. We also LOVE the child identity coverage add-on with the Deluxe plan, which covers up to 10 children for only $3.95 extra each month. We appreciate that you receive full access to the company’s fraud recovery services with the Essential plan. If you’re an AAA Premier member, you’ll love the complimentary $10,000 in identity theft coverage that you receive with this plan as well.
If you’re a card-holding member of the AAA, there’s no excuse not to invest in this product. The Deluxe plan only costs $10.95 per month and provides you with 3-bureau credit monitoring services, regular Experian VantageScore updates, and insurance coverage of up to $1,000,000.
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