Best Identity Theft Protection 2018: IDShield vs LifeLock vs Identity Guard vs IdentityForce & More!

To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.

Jane bought a gift for her friend online. A week later that website was hacked, and her personal data was stolen. Random charges started appearing on her credit cards, and her bank account dwindled down to nothing. She was struggling to pay her bills, and it wasn’t her fault. She didn’t know what to do, how to get her money back or how to make it stop.

Too many people find themselves in a situation like this. According to the Federal Trade Commission (FTC), ID theft was the number two consumer complaint in 2017. In fact, every 2 seconds someone’s identity is stolen, and that number continues to rise.

ID Theft Protection Companies Compared

 IDShieldIdentity ForceIdentity GuardLifelockExperian IdentityWorksID WatchdogZanderCSIDPrivacy GuardIntelius ID ProtectComplete IDEquifax ID Patrol
IDShieldIdentity ForceIdentity GuardLifelockExperian Identity WorksID WatchdogZanderCSIDPrivacy GuardIntelius ID ProtectComplete IDEquifax ID Patrol
Ranking1st2nd3rd4th5th6th7th8th9th10th11thN/A
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Lowest Price Per Month$9.95$12.95$8.99$8.99$9.99$14.95$6.75$9.99$9.99$19.95$8.99$16.95
Family PlanCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Child PlanIncluded in Family PlanAdd-OnIncluded in Family PlanCheckmark
Limited Coverage
Included in Family PlanAdd-OnIncluded in Family PlanIncluded in Family PlanAdd-OnIncluded in Family Plan
Free Trial14 Days30 Days30 Days30 Days$1 for 14 Days7 Days30 or 90 Days
Monitors SSNCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors Bank AccountsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors Credit CardsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors LoansCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors InsuranceCheckmarkCheckmarkCheckmarkMust RequestCheckmarkCheckmark
Monitors Medical RecordsCheckmarkCheckmarkCheckmarkCheckmarkMust RequestCheckmarkCheckmark
Monitors Driver's LicenseCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkMust RequestCheckmark
Monitors Public RecordsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors Criminal RecordsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors Sex OffendersCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors AddressCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monitors EmailCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Recovery AssistanceCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Fully Managed Restoration ServiceCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Lost/Stolen Wallet AssistanceCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Service Guarantee$5 Million100%$1 Million
Insurance for Reimbursement$1 Million$1 Million$1 Million$1 MillionVaries$1 Million$1 Million$1 Million$1 Million$1 Million
Insurance for Lost Funds$1 Million$1 Million
Mail List RemovalCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Credit ReportsTransUnion OnlyAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausTransUnion OnlyAll 3 BureausAll 3 BureausAll 3 BureausAll 3 Bureaus
Credit ScoreTransUnion OnlyAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 BureausAll 3 Bureaus
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review

Article Overview

How Can I Know If Someone Stole My Identity?

Experts agree that there are some significant signs to look for to know if someone stole your identity. If you notice any of these signs or anything else that seems questionable, don’t brush it off. It’s the age old saying, better to be safe than sorry.

How to Know if Someone Stole Your Identity

  • Charges appear on your credit or debit card statements for items you didn’t purchase. Even small charges could be a red flag.
  • You receive an unknown credit card statement or a new card in the mail that you didn’t apply for.
  • Your bank account funds are dwindling without your knowledge of withdrawals.
  • You’re not receiving your bills or other mail.
  • When you write checks, merchants deny them.
  • You’re getting collection notices or calls for debt that you haven’t incurred.
  • There are errors on your credit report.
  • Your credit history has always been good, but you’re denied a loan or credit card when you apply.
  • You’re receiving medical bills for unknown services.
  • Your medical claim is denied by your health plan, even though you haven’t surpassed your benefits limit.
  • You get a notification from the Internal Revenue Service (IRS) that an additional tax return was filed in your name.
  • The IRS notifies you that you have income from an employer you’ve never worked for.

What Should I Do If I Think My Identity Is Compromised?

If you think you’ve had your identity stolen, act immediately with these five steps.

Person reporting ID theft on cell phone: How to Report Identity Theft

1. Notify The Government (FTC)

First and foremost notify the U.S. Federal Trade Commission at IdentityTheft.gov.

Next, go online to the FTC’s Complaint Assistant to obtain an Identity Theft Affidavit. It asks a series of questions about the type of theft, what was misused and other details about the fraudulent incident(s).

Once you’ve finished, print out a copy of the FTC Fraud Affidavit and make copies of it in case any financial institutions and companies you’re working with want a copy. Some companies may require a notarized copy, so you might want to go ahead and get all your copies notarized up front.

You can also reach the FTC by phone at 1-877-438-4338 and describe your situation in detail, so they have the information they need to help.

2. Review Your Financial Activity

Go online and look at all your bank, credit card and other financial statements for unauthorized charges. You can also review paper statements or call the bank directly. A bank associate can walk you through any recent transactions or ones that look suspicious.

If you see anything that was not authorized contact the financial institutions where you’re encountering problems and ask them to lock down or close the accounts immediately.

3. Monitor Your Credit

Request copies of your credit report from all 3 major credit bureaus (Equifax, Experian and TransUnion) and look for any suspicious activity. You’re legally entitled to an annual free credit report from each agency.

Sign up for a credit monitoring service to help you screen for ongoing or future issues that might arise. Learn more by reading our Best Credit Monitoring Service overview.

Place a fraud alert on your credit reports (typically lasts 90 days). A fraud alert notifies any organization that pulls your credit report that your identity may be compromised. This alert warns creditors to take an extra step of contacting you directly when they’re verifying the identity of the person opening the account.

4. File A Police Report

Person calling police on phoneAlthough most fall victim of ID thieves who aren’t local, filing a local police report creates a paper trail that may help you in the long run. The more paper trail you have covering your ID theft incident, the better. Police may choose to speak with you in person or direct you to a website to fill out a form.

Items Needed To Report Identity Theft To The Police

The FTC recommends that you report ID theft to your local police in person. What should you take with you to the police station?

  • A copy of your FTC Identity Theft Complaint
  • A government-issued photo ID
  • Proof of residency (recent mortgage statement, rental agreement, or a utility bill)
  • Copies of all your fraud evidence (IRS notices, collections letters, credit card statements with fraudulent transactions, credit reports showing unauthorized accounts, etc.)

After a police report is filed, get a copy for your personal records to assist you in your recovery efforts. Don’t expect much activity from the police. Depending on your local police department’s process, your case will go to a detective who will review all of the information. Then, he or she will determine whether to take any action.

Note that some police departments will refuse to file a report for a non-local perpetrator. Why? Because of jurisdictions. Police deal with crimes that occur in the area they work in and if the identity theft didn’t take place in that area, they can choose not to help.

Unfortunately, most people don’t know who stole their identity, so they are unable to press charges. For example, if the fraud was perpetrated by an anonymous hacker online, there may not be much the police can do to track down the offender.

However, if you suspect a certain individual (family member, neighbor or friend, perhaps) of using your credit card illegally, the police may be able to build a case and help you press charges against the person. If you’re interested in pressing charges against a known identity thief, talk to your local police department about steps to take.

5. Was Your Social Security Number Stolen?

Social security card in walletIf your SSN (Social Security Number) was compromised, you’ll need to get a new number and replacement card. Before you do that, report your lost Social Security card to the IRS by calling 1-800-908-4490.

Next, fill out this form to apply for a replacement card or change information on your SSN record. You can then mail or deliver the form in person to any Social Security office.

It also wouldn’t hurt to report the fact that your social security number was stolen to the Internet Crime Complaint Center, which will distribute the report to relevant authorities. This would be an additional step on top of filing the police report on your own.

Important Info When Applying for Your First SSN Card

You can also use the SSN form link above to apply for your first SSN card. If the applicant is older than 12-years-old and applying for an original SSN, an in-person interview is required. If you are the parent of a newborn, you can get an SSN for your child through the “Enumeration at Birth” (EAB) process. If you are an United States immigrant, you can file for an SSN through Enumeration at Entry (EaE). Anyone older than 18-years of age is eligible to apply.

Should I Put A Freeze On My Credit?

Calculator with bills: How to Freeze Your CreditA credit freeze, also referred to as a “security freeze”, is a method you can use to restrict the access others have to your credit report. When you establish a credit security freeze, identity thieves have a much more difficult time opening accounts in your name.

Why? Most creditors must review your credit report to approve new loans, credit cards and other financial accounts. However, with a credit freeze in place, creditors don’t have access to your credit report.

Freezing your credit is now free (as of September 2018) and doesn’t affect your credit score. A credit freeze only applies to your credit reports — it’s not the same as a credit card freeze, and you still have access to all of your existing accounts and credit cards.

There are a few factors you should consider before freezing your credit. There are no absolutes; it really comes down to a personal decision.

  • Have you already been a victim of identity theft? If so, you’re at a higher risk. Thieves sometimes sell or trade your personal information once they gain access, so your information could still be out there. A credit freeze is free in most states in the case of identity theft.
  • What are your upcoming credit plans? If you’re planning in the near future to purchase a house or car, or open up a new credit card account, you may want to wait to freeze your credit report. Otherwise, you’ll have to temporarily lift the freeze with each credit bureau, and you could incur fees to do so. A credit freeze can also affect your ability to open up new service accounts, including a new utilities or mobile phone contracts.
  • Have you considered credit monitoring or identity theft protection as an alternative? If you’re concerned about not being able to access your credit reports if they’re frozen, for an emergency loan, for example, you should look into a Credit Monitoring Service or an Identity Theft Protection service. These services regularly track your credit reports and other financial accounts and immediately alert you of any unusual activity or potential identity threats.

How Do I Freeze My Credit Reports?

Freezing your credit is free and a relatively easy process. There are three national credit bureaus, Equifax, Experian and TransUnion, and each provides its own credit report. Different creditors access some or all bureaus, so it’s important to freeze your credit with all three companies. To freeze your credit, all you need to do is call each bureau.

Each company will ask you to provide your name, date of birth, social security number, address and additional personal information to verify your identity. If you request via phone they must put a freeze on your credit report within one business day (if you request a freeze or lift via mail they must do within three business days so it’s faster to call). You can also request for children under 16 and if you’re someone’s guardian, conservator or have a power of attorney.

Equifax, Experian and TransUnion will each send you a confirmation of your freeze, including a PIN (personal identification number) or password. It’s important to keep each PIN or password in a secure place because you’ll need it when you want to unfreeze your credit reports.

How Do I Unfreeze A Credit Report?

Your credit freeze will automatically end after one year (prior to September 2018 it was 90 days). If you have been an ID theft victim you can have an extended alert period of up to 7 years. To manually lift a freeze on your credit report, you must contact each credit bureau again. You can lift the freeze altogether, put a temporary lift in place or request that a certain vendor have access for a specific transaction.

If you request via phone, credit bureaus are required to lift a freeze within one hour (or three business days if you contact them via mail).

Tip: If you only need to temporarily lift your credit freeze because you’re applying for a loan or new credit card, try to find out which credit bureau the creditor uses. This may help you avoid the trouble and added expense of unfreezing all three credit bureaus’ reports since you only need to lift the freeze on the one your creditor is contacting.

How Can I Protect Myself From Identity Theft?

Knowing how to prevent identity theft is critical with so much of our personal information online that may be more readily available to compromise. Many of the steps you’ll need to take to protect your identity are free, but you may also want to consider signing up for a professional ID protection and monitoring service to give you that extra peace of mind.

  • Use Caution – Be discrete and selective when sharing your personal information. Don’t give out any of your personal details over the phone.
  • Be Aware Of Scams – If someone is offering you a limited offer that you must take advantage of now and wants all of your personal data you should probably say “no thanks”.
  • Check Financial Accounts – Review your banking, investment, retirement, and credit card accounts regularly to see if there have been any unauthorized transactions. If you see any, notify the banks to close your accounts and cards immediately.
  • Review Health Insurance Statements – If you notice any unexpected treatments or charges from medical providers, immediately contact your health insurance company and provider, especially if you see treatments listed that you never received.
  • Monitor Credit Reports Ask for a credit report periodically from each of the three bureaus to check if there are any accounts in your name that you didn’t open. If you notice suspicious activity, consider adding a fraud alert or freezing the reports.
  • Use A VPN – Coffee shops and other public areas are magnets for spying eyes that wish to steal valuable data via unsecured WiFi networks. VPNs (or Virtual Private Networks) create a secure, encrypted connection that allows you to surf the web safely from anywhere.
  • Don’t Carry Personal Data With You – Don’t carry your extra credit cards, Social Security card, birth certificate or passport. Carrying these items can increase the risk of them being stolen or lost. Leave these at home in a secure place, like a fireproof safe, so the risk of them being stolen or lost is reduced.
  • Use A Shredder – Shred all credit card offers, bank statements, records and other paperwork that contains sensitive data. Using a cross-cut shredder is best. Too many thieves rummage through your trash to find treasure (check out our shredder reviews on our sister site, We Rock Your Web).
  • Create Complex Passwords – A safe password has a minimum of 12 characters and is a mix of letters, numbers and special characters. It is also unique for every login you create. Some of the most common passwords are password, 123456 and abc123. Please DO NOT USE THESE!
  • Go Paperless – Sign up for paperless bank statements, so you don’t risk someone else receiving your banking information and using it against you.
  • Get Identity Theft Protection! – The #1 thing you can do is be proactive by signing up for an identity theft protection service that monitors your online accounts for you and notifies you if anything suspicious occurs.

In-Depth Reviews Of The Top CompaniesMan on computer in the dark: What is the Best Identity Theft Protection?

The best way to avoid becoming a victim of identity theft is to stop it before it starts by proactively having a service monitor it for you. These identity theft protection services not only alert you when something suspicious happens but several will even help you with the recovery process if your identity is stolen, including reimbursement for loss.

IDShield Review

#1

Visit Website

IDShield, a LegalShield product, offers one of the most comprehensive identity theft monitoring and resolution services on the market at a nearly unbeatable price for both individuals and families of up to 10 people. It monitors almost everything imaginable with one exception — it only monitors one credit bureau; not all three.

However, if credit monitoring from all three major credit bureaus is not a big concern for you, then IDShield is the company to go with (note: most credit report changes should show up at all bureaus). You can’t beat its low price point and monitoring coverage (especially the family plan), which is why it’s our #1 pick for best identity theft protection.

IDShield’s restoration services are unsurpassed in the industry. The company uses licensed private investigators, who do all the legwork for you to restore your name, and it’s backed by a $5 million service guarantee. Customers rave about their experience.

Pros

Cons

  • Very affordable individual and family plans
  • Offers a $5 million service guarantee
  • Family plan protects up to 10 people
  • Fully managed recovery support with licensed private investigators
  • Free LegalShield IDShield app for iOS and Android
  • Parent company, LegalShield, is A+ BBB rated
  • 24/7 emergency support
  • No free trial
  • Doesn’t include internet security software
  • Only monitors credit from one of three bureaus (TransUnion)

Price

The only difference between the two IDShield plans is that the individual plan covers one person and the family plan covers up to 10.

Individual Plan: $9.95/month

Family Plan: $24.95/month

  • Social security number monitoring
  • Credit card number monitoring (up to 10)
  • Bank account number monitoring (up to 10)
  • Medical ID number monitoring (up to 10)
  • Court records monitoring
  • Quarterly credit score tracking (one bureau)
  • Change of address monitoring
  • Black-market website monitoring
  • File-sharing network monitoring
  • Data breach alerts
  • New credit account alerts
  • Identity restoration services

Read our IDShield Review

IdentityForce Review

#2

Visit Website

IdentityForce, our runner up for the best identity protection provider, monitors practically everything imaginable (SSN, driver’s license, email, etc.). Unlike our top pick, this company offers a plan that monitors all three credit reporting bureaus with your membership so you can stay on top of any suspicious credit report changes.

Unfortunately, there is no family plan available, so you’ll have to add a plan for each person in your family you want monitored, which can get expensive. If your identity gets stolen while using IdentityForce, you’re covered by its $1 million insurance plan.

The company also offers 24/7 support in case your identity is stolen. Its specialists will do a majority of the paperwork, calling and other legwork for you to help restore your name. When it comes to monitoring your personal data, no one else has better coverage for the price.

Pros

Cons

  • More coverage than many other companies
  • Monitors SSN, driver’s license number, sex offenders, email and more
  • 24/7 phone support and live chat and email from 8am-8pm, plus FAQs
  • Fully managed recovery support
  • Child plan available as an add-on
  • Established in 1978 with long history in industry
  • $1 million insurance protection
  • A+ BBB rating
  • Bank and credit card activity alerts
  • No family plan
  • Must upgrade plans for credit report/score monitoring

Price

You can test out IdentityForce by signing up for its 14-day free trial.

 UltraSecureUltraSecure+Credit
PriceRegular Price: $17.95/month or $179.50/year

Discount for our Readers: $12.95/month or $129.50/year
Regular Price: $23.95/month or $239.50/year

Discount for our Readers: $19.95/month or $199.50/year
Optional ChildWatch Add-On $2.75/month or $27.50/yearCheckmarkCheckmark
14-Day Free TrialCheckmark
Sex Offender MonitoringCheckmarkCheckmark
Pay Day Loan Monitoring
CheckmarkCheckmark
Change of Address MonitoringCheckmarkCheckmark
Court Records Monitoring
CheckmarkCheckmark
Fraud Monitoring
CheckmarkCheckmark
Identity Score & Report
CheckmarkCheckmark
Identity MonitoringCheckmarkCheckmark
Fraud Alert Reminder
CheckmarkCheckmark
Medical ID Fraud ProtectionCheckmarkCheckmark
Junk Mail Opt-out
CheckmarkCheckmark
Identity Threat Alerts
CheckmarkCheckmark
Delete NowCheckmarkCheckmark
Online Protection Tools (Anti-Phishing, Anti-Keylogging, etc.)CheckmarkCheckmark
Lost Wallet AssistanceCheckmarkCheckmark
Fraud Resolution SpecialistCheckmark
Identity Restoration AdvisorCheckmarkCheckmark
$1 Million Identity Theft InsuranceCheckmarkCheckmark
Credit Score Simulator
Checkmark
Three Bureau Credit ScoresCheckmark
Three Bureau Credit ReportsCheckmark
Three Bureau Credit MonitoringCheckmark
Credit Score Monitoring
Checkmark
Buy an Instant Credit ReportCheckmark

Coupon Codes

IdentityForce offers two plans, UltraSecure and UltraSecure+Credit, with the option of adding on their supplemental Child Watch plan to either subscription. The standard cost of the UltraSecure IdentityForce plan is $17.95/month or $179.50/year, but our readers are eligible for the discounted rate of $12.95/month or $129.50/year. The standard cost of UltraSecure+Credit is $23.95/month and $239.50/year, but our readers can get this service for $19.95/month or $199.50/year. Click here to take advantage of these offers! You can also visit our dedicated IdentityForce coupon page to discuss current offers.

Read Our IdentityForce Review

Identity GuardReview

#3

Visit Website

Identity Guard™ monitors your identity and helps protect it. In the case that your identity is stolen, Identity Guard™ will help pay to have it recovered no matter how it happened (even if it wasn’t the service’s fault). This company has a long reputation as a well respected and reliable service. Identity Guard™ is missing some essential features, like driver’s license and email monitoring.

Although it has a 24/7 fraud hotline, it doesn’t do much of the restoration legwork — most of that work will be up to you if you have an incident.

Pros

Cons

  • $1 million in insurance*
  • Monitoring alerts sent to you
  • A+ BBB rating (been BBB accredited since 1996)
  • Family plans available
  • 24/7 phone support for those who have lost or had their credit cards stolen
  • 30-day free trial
  • Doesn’t monitor your driver’s license or email
  • They don’t send fraud alerts to credit bureaus
  • Does not monitor sex offenders
  • Doesn’t provide fully managed recovery support

Price

 Individual ValueIndividual TotalIndividual PremierFamily ValueFamily TotalFamily Premier
Individual ValueIndividual TotalIndividual PremierFamily ValueFamily TotalFamily Premier
Price Per Month$8.99$19.99$24.99$14.99$29.99$34.99
$1 Million Identity Theft InsuranceCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Mobile AppCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Online “Dark Web” MonitoringCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Social Security Number MonitoringCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Monthly Credit ScoreCheckmarkCheckmarkCheckmarkCheckmark
3-Bureau Credit ChangesCheckmarkCheckmarkCheckmarkCheckmark
Bank Account TakeoversCheckmarkCheckmarkCheckmarkCheckmark
Requests To Open Bank AccountsCheckmarkCheckmarkCheckmarkCheckmark
3-Bureau Credit ReportCheckmarkCheckmark
Anti-Phishing AppCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Safe Browsing ExtensionCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Potential Cyberbullying On Social MediaCheckmark
Social Insight ReportCheckmarkCheckmark

Coupon Codes

Enrolling with Identity Guard through our link saves you 10% off the homepage prices! You can also visit our dedicated Identity Guard coupon page to discuss current offers.

Read our Identity Guard™ Review

To jump to the other companies we review at the bottom right now, click here. To check them out later, keep reading.

Is ID Theft Protection Worth It?

Watch this video to see some statistics about identity theft, the most common way it happens and why it’s worth it to be protected.

The monthly price for identity theft protection is minimal compared to the potential loss to your personal assets, finances, and time spent recovering your personal data in the case of an incident.

What’s It Like To Have Your Identity Stolen?

Now that you have read these identity theft tips, hopefully you won’t have to live through the trauma of identity theft. But, in this day and age, we all know someone who has been a victim of ID theft! You can learn from others by reading these real life-stories of people who have had their identity stolen.

How Does Identity Theft Happen?

There are both old school as well as more technologically sophisticated ways for savvy cyber thieves to snatch your data.

Low Tech Methods

Mailbox with mail: Mail TheftThese days, we worry so much about cybercrime, it’s easy to forget about old-school methods of identity theft. Yes, thieves still target people in the following ways, and senior citizens are most susceptible.

  • Wallet Theft – If your wallet goes missing, it likely contains a ton of personal information ripe for thieves to steal your identity: your driver’s license, social security card, credit cards, health insurance cards and more. TIPSTry to carry only what you absolutely need in your wallet when you go out. Social security cards are best left in a secure location (at home, ideally in a locked safe). You may have heard of RFID (radio-frequency identification) theft which is when someone steals your info digitally from your credit cards without even touching your wallet. We suggest you consider an RFID blocker to reduce this threat.
  • Mail Theft – Identity thieves can intercept your incoming mail to steal your personal information, pre-approved credit card offers and checks made out to you. TIP: Don’t ever leave your sensitive, outgoing mail in your home mailbox. Make sure you place it in a mailbox where no one can access it or take it straight to the post office.
  • Dumpster Diving – When throwing out old bills, bank statements and other documents that contain personal information, be extremely mindful. Thieves still dig through outdoor trash bins to find personal data to steal. TIP: Use a paper shredder or burn sensitive documents.
  • Phone and Email Scams – Yes, you’ve heard about phone and email scams for years now, but they’re still prevalent, and clever thieves continually change their game plan. TIP: Don’t ever disclose your personal information to anyone who calls or emails asking for it, whether they are posing as a charity, government agency, bank, insurance company or other business.
  • Personal Theft – Although you want to trust your relatives, friends, co-workers, housekeepers and other people who you let into your personal life, there’s always a risk that your personal information could be stolen from those closest to you. TIP: To best protect your personal documents in your home, lock them in a home safe (or better yet, a bank safe deposit box).
  • Guessing – Sad but true that many people still use easy to hack passwords like “password”, pet’s name, etc. TIP: Always create unique passwords for every login and make sure they are at least 12 characters containing a mix of letters, numbers and special characters.

BONUS TIP: Experts say the worst place you can leave personal documents is the top right drawer of your home desk.

High-Tech Methods

Computer getting hacked

We often think of cybercrime as more of a threat now than old-school identity theft, and there are good reasons for that perception. It’s often harder to target the source of online identity theft because there are so many “backdoors” where thieves can creep in without detection.

The following are some of the more common computer-related methods of identity theft.

  • Phishing – If you receive an email from a financial institution or another business that gives you a link asking for your username and password, do not click it. This is a major red flag! Whether the email is from a known institution or one you’ve never done business with, that email is more than likely from an identity thief wanting to gain access to your online accounts. TIP: Call your bank to discuss before giving away anything, especially in writing online.
  • Spoofing – Spoofing is another method hackers use to gain unauthorized access to your computer. These hackers will disguise themselves and their IP address as a trusted and reliable source, typically in the form of an email. The hope is that you’ll click on a link you believe to be trustworthy, which then drives you to the hacker’s site or to unknowingly download a virus. TIP: If you are unsure whether the request is valid, look up the number online to call the institution and confirm. Do not call the phone number in the email as it may be part of the scam as well.
  • Skimming – A thief can steal your credit or debit card details using a skimmer, a small device that obtains the data from the magnetic strip of a card when it’s swiped (at a gas station or other un-attended card reader). TIP: Use a credit card rather than debit card at unknown locations. Your credit card company can help you chase down a criminal and recover lost funds should an incident happen but the debit card leaves you on your own.
  • WiFi Hacking – If you access a financial or other personal account without being connected to a secure WiFi network, a thief could hack into your computer. TIP: Use a VPN on public WiFi networks.
  • Spyware & Malware – One common way cyber thieves use spyware and malware (types of software that can infect your computer without your knowledge), is to steal your personal information through your keystrokes. This keylogger software records every key you type and sends the records (social security numbers, credit card numbers, bank account logins, etc.) back to the hacker. TIP: Use an anti-virus service and always keep it updated so you are protected from the latest hacks.

7 Common Ways Your Identity Can Be Compromised

Data on screen: How Does Identity Theft Happen?1. Financial ID Theft

Financial identity theft occurs when a thief obtains your financial information and uses it while pretending to be you. The criminal could be a computer hacker or someone you personally know. A significant portion of financial ID theft cases includes family or friends who stole the victim’s information without their knowledge.

This type of theft includes stealing your social security number, driver’s license number, bank account number and/or checking account number to apply for credit cards, loans or pay for items without your knowledge. Consequences of this type of theft are financial loss and a negative impact on your credit history.

2. Online ID Theft

Online identity theft is similar to financial identity theft except it occurs online specifically. This can happen through someone hacking into your computer, email or a website that you use. This type of identity theft is especially popular with how extensive the internet database is.

Cyber attacks and breaches are constantly increasing. In 2017 there were 1,579 breaches with 179 million records exposed compared to 2011 when there were 421 breaches with 22.9 million records exposed.

3. Medical ID Theft

Medical identity theft is when someone steals your information to submit a claim to Medicare or another health insurance company. The perpetrator uses your SSN, medical record ID and/or date of birth. A person who uses this type of ID theft will have expensive procedures, surgeries and/or file false liability, disability or workman’s comp claims under your name. This can result in thousands of dollars worth of bills and worse yet, damage to your medical history.

The most common way to have your medical ID stolen is by a criminal hacking into an insurance or medical facility’s system and taking patients’ information. This data is then used to obtain prescription drugs, physician care or even surgery.

Medical identity theft is much more dangerous than other types of ID theft because it involves permanent identifiable information (like SSN, birthdate, etc.). Therefore, criminals can then use this information for lines of credit or sell the information to others.

Medical ID theft is one of the fastest growing forms of identity theft. The number of patients affected by medical identity theft increases every year. In fact, it’s one of the most expensive forms of identity theft with the average victim dishing out $13,500 to resolve the theft.

4. Criminal Or Character ID Theft

Identity thieves can commit crimes posing as you, and you’ll end up having a criminal record that you’re entirely unaware of. This can keep you from getting a job, or you could even get arrested for crimes you didn’t commit. It then becomes your responsibility to clear your name with the authorities and the court.

5. Social Security ID Theft

Social Security identity theft is when someone steals your SSN. Your SSN is the gateway to your life. If a criminal has access to it, they can use it to get other personal information about you. Once they’ve obtained your personal information, they can use it to apply for credit.

Once they’ve obtained the loan or credit cards, they won’t pay the bills. It damages your credit, and you’re left with a big mess to clean up. It can take some time to realize your stolen Social Security number is being used. Most people find out when they’ve been turned down for credit or they’ve received calls from unknown creditors requesting payment for items they didn’t purchase.

6. Tax ID Theft

Tax identity theft occurs when someone uses your information to file taxes and receive a refund. These thieves typically get away with the crime because they present their fraudulent tax return before you get a chance to file yours. Checkout our 5 must-do tips to prevent tax identity theft on our sister site, We Rock Your Web.

7. Child ID Theft

Child identity theft is when someone obtains a minor’s personal information and uses it to take out a line of credit. Unfortunately, this is a common form of ID theft because many children do not take out lines of credit until they are at least 18-years-old. This lengthy delay makes it difficult to detect since they don’t realize their identity has been tampered with until years after the crime occurred.

1.3 million kids are affected annually by child identity theft with 50% of those being younger than 6-years-old. Children’s credit and SSN’s are abused 51 times more than those of adults.

The Latest Data Breach News

Unfortunately, there are security breaches happening regularly with major retailers, credit card companies and other organizations. We’ve compiled a summary of recent major data breaches so you can stay up to date, including how you might be affected and what you can do about it.

What’s The Penalty For Stealing Someone’s Identity?

Identity theft is an act of crime where a person abuses someone else’s personal information resulting in deception or fraud, most commonly for money but also for other purposes. There are a few different types of identity theft, and each can harm you differently (which we’ll explain in the next section).

Penalties for identity theft can vary by state, but a maximum of 15 years imprisonment and hefty fines are some of the ways thieves are punished.

ID Theft Statistics & Facts

Don’t believe ID theft could happen to you? Check out these stats and facts that will make you realize how prevalent it actually is.

  1. ID theft happened once every 2 seconds in 2017.4
  2. Victims of identity theft spent over 140 million hours trying to resolve their issues in 2017.4
  3. The average cost for each lost or stolen record was $221 in 2016 and $225 in 2017.1
  4. The average size of data breaches increased 1.8% in 2017 to more than 24,000 records.1
  5. In 2017, there were 16.7 million victims of identity fraud.2
  6. In 2017, thieves stole $16.8 billion from consumers in the U.S.2
  7. 6.64% of consumers were victims of identity fraud in 2017.2
  8. In 2016, 13% (399,225) of complaints filed to the FTC were about identity theft, which was the third most common complaint.3
  9. 36 million records (including doctor’s office, school, etc.) were breached in 2016.4
  10. Organizations spent an average of $7.01 million on data breaches in 2015 compared to $7.35 million in 2016.1

Want more? For you stats geeks we have an entire article dedicated to identity theft statistics.

Identity Theft Statistics Infographic

There are so many interesting and terrifying facts about stealing your identity we turned them into an identity theft facts infographic to help spread awareness about this growing issue.

ID Theft Statistics Infographic

To share this infographic on your site, simply copy and paste the code below:

The Rest Of The Pack

Here’s the companies that didn’t make our top 3 this year. Note: In a few cases, we recommend you straight up avoid some of these services.

LifeLock | Experian Identity WorksID WatchdogZanderCSID | Privacy Guard |Intelius ID Protect  | CompleteID | Equifax ID Patrol  

LifeLock Review

#4

Visit Website

LifeLock offers several different plans for you to choose from, but to get the same coverage you’ll get from IdentityForce and Identity Guard™, you’ll end up paying more. Its Million Dollar Protection™ Package provides reimbursement for funds stolen, attorney fees and personal expenses you incur while restoring your identity.

It also offers a child plan to add on to any adult plan. If your identity gets stolen, you’ll get a dedicated specialist who will do a lot of the recovery legwork for you.

Pros

Cons

  • Million Dollar Protection™ Package
  • Detects use of personal information to apply for a line of credit, utilities, cell phone plans, etc.
  • Monitors your driver’s license, mother’s maiden name and medical information
  • Fully managed recovery support
  • A- BBB rating
  • 24/7 support
  • Monitors websites to make sure your credentials are not for sale
  • Features include court records scanning and sex offender registry
  • Offers more coverage than some other competitors
  • Child plan is available as an add-on to an adult plan
  • Delay on notifications for credit reports
  • Does not monitor all transactions at all businesses
  • Does not monitor email
  • Must upgrade plans for bank account coverage and credit report/score monitoring

Price

LifeLock offers a 30-day free trial.

 LifeLock JuniorStandardAdvantageUltimate Plus
PriceListed Price: $5.99/month or $65.99/year$9.99/month or $119.88/year$19.99/month or $239.88/year$29.99/month
Identity Threat Detection and AlertsCheckmark
File-Sharing Network SearchesCheckmark
Credit File VerificationCheckmark
LifeLock Identity Alert SystemCheckmarkCheckmarkCheckmark
Lost Wallet ProtectionCheckmarkCheckmarkCheckmark
USPS Address Change VerificationCheckmarkCheckmarkCheckmark
Reduced Pre-Approved Credit Card OffersCheckmarkCheckmarkCheckmark
Black Market Website SurveillanceCheckmarkCheckmarkCheckmarkCheckmark
Live Member Support 24/7/365CheckmarkCheckmarkCheckmarkCheckmark
$1 Million Total Service GuaranteeCheckmarkCheckmarkCheckmarkCheckmark
Fictitious Identity MonitoringCheckmarkCheckmark
Court Records ScanningCheckmarkCheckmark
Data Breach NotificationsCheckmarkCheckmark
Online Annual Credit Reports and ScoresCheckmark1 Credit BureauCheckmark3 Credit Bureau
Credit Card, Checking and Savings Account Activity AlertsCheckmarkCheckmark
Investment Account Activity AlertsCheckmark
Checking and Savings Account Application AlertsCheckmark
Bank Account Takeover AlertsCheckmark
Credit Inquiry ActivityCheckmark
File-Sharing Network SearchesCheckmark
Sex Offender Registry ReportsCheckmark
Monthly Credit Score TrackingCheckmark

Coupon Code

You can visit our dedicated Lifelock coupon page to discuss current offers.

Read Our LifeLock Review

Experian IdentityWorks Review

#5

Visit Website

Experian is one of the three main credit bureaus, and its IdentityWorks product offers a solid set of identity theft monitoring features and excellent credit monitoring. Its family plans cover up to 10 children, so this could be a cost-effective option for large families. If you need ID theft recovery assistance, you get a dedicated fraud specialist, but it doesn’t do all the work for you like some other companies.

Pros

Cons

  • $1 million in insurance
  • Fraud alerts sent to you
  • Family plans available for up to 10 people
  • 24/7 phone support for those who have lost or had their credit cards stolen
  • 30-day free trial
  • Does not monitor your driver’s license or email
  • Must upgrade plans for 3-bureau credit scores, bank account and credit card coverage
  • Doesn’t offer fully managed recovery support
  • Not BBB accredited (but consumer rating of A-)

Price

Experian IdentityWorks offers a 30-day free trial.

 IdentityWorks PlusIdentityWorks Premium
Price Per Month for 1 Adult$9.99$19.99
Price Per Month for 1 Adult and Up to 10 Children$14.99$24.99
Price Per Month for 2 Adults and Up to 10 Children$19.99$29.99
Dark Web Surveillance
CheckmarkCheckmark
InsuranceUp to $500,000Up to $1 Million
Lost Wallet AssistanceCheckmarkCheckmark
Social Security Number MonitoringCheckmarkCheckmark
Address Change VerificationCheckmarkCheckmark
Bank Account & Credit Card TakeoversCheckmark
Identity Validation AlertsCheckmark
Payday Loan Monitoring
Checkmark
Court Records & BookingsCheckmark
Sex Offender RegistryCheckmark
File-Sharing Network MonitoringCheckmark
Social Network MonitoringCheckmark
Lock & Unlock Your Experian Credit FileCheckmarkCheckmark
Real-Time Alerts on Attempted Credit InquiriesCheckmarkCheckmark
Credit Bureaus MonitoredExperian3 Bureaus
3-Bureau FICO ScoresQuarterly
Experian FICO ScoresDailyDaily
Fraud Resolution ServicesCheckmarkCheckmark

ID Watchdog Review

#6

Visit Website

ID Watchdog offers relatively basic monitoring services. Its strength lies in its resolution services, which get top reviews from consumers. It has a 100% resolution guarantee and also provides identity theft insurance. You can also add child protection to an adult plan.

Pros

Cons

  • Identity theft insurance available (varies by policy)
  • 24/7 email and phone support
  • Monitors SSN, driver’s license, public and criminal records and more
  • 100% Identity Theft Resolution guarantee with fully managed recovery support
  • Child plan available as add-on
  • A+ BBB rating
  • Doesn’t monitor credit card or banking transactions
  • No lost wallet assistance
  • Must pay extra for credit reports/scores and monitoring from all 3 bureaus

Price

 PlusPlatinum
Price$14.95/month or $149.95/year$19.95/month or $219/year
Basic Identity MonitoringCheckmarkCheckmark
Advanced Identity MonitoringCheckmarkCheckmark
Cyber MonitoringCheckmarkCheckmark
Email and SMS NotificationsCheckmarkCheckmark
Full Service Identity RestorationCheckmarkCheckmark
Credit Report MonitoringCheckmark1 BureauCheckmark3 Bureaus
Credit Reports and ScoresCheckmark
NPI MonitoringCheckmarkCheckmark

Zander Review

#7

Visit Website

Zander Insurance provides excellent full recovery services with certified specialists and a total of $2 million in insurance for a fraction of what you pay for other companies. It also monitors your basic personal information, including bank accounts and credit cards.

Zander falls short in other features, namely no credit bureau or personal/criminal monitoring. If you’re mainly concerned about assistance after a fraudulent event, it comes highly recommended by many consumers.

Pros

Cons

  • Offers $1 million stolen funds protection and $1 million in reimbursement protection
  • Monitors your driver’s license, bank accounts, credit cards, email and more
  • Sends fraud alerts to your smartphone and email
  • Provides fully managed restoration services with certified ID theft specialists
  • Offers a family plan
  • 24/7/365 customer support
  • A+ BBB rated and accredited
  • No free trial
  • Doesn’t monitor credit bureaus or provide credit scores
  • Doesn’t monitor public or criminal records
  • No sex offender search

Price

Both plans include the same monitoring and restorations services. The family plan provides coverage for you, your spouse and any dependent children living in your house.

Individual Plan: $6.75/month; $75/year

Family Plan: $12.90/month; $145/year

  • $1 million reimbursement insurance
  • $1 million stolen funds insurance
  • Lost or stolen wallet assistance
  • Monitors driver’s license, SSN and medical insurance ID
  • Change of address
  • Monitors bank accounts and credit cards
  • Full recovery services
  • 24/7/365 hotline

CSID Review

#8

Visit Website

At first, we thought Experian-owned CSID was strictly a B2B identity theft protection solution. However, we contacted the company and found out differently. It’s difficult to find the webpage directly to their pricing and packages, so we’ve provided a direct link to it above. CSID has low prices, but it does not cover as much as its competitors which is why it arenisn’t ranked higher.

Pros

Cons

  • $1 million insurance
  • Family plan
  • Monitors sex offenders
  • 24/7 fraud hotline
  • A+ BBB rating
  • No child-specific plan, although children are included in the family plan
  • No lost wallet assistance
  • Does not monitor your driver’s license, bank accounts, credit cards or credit score

Price

Both plans below cover the same items.

Protector Plus $9.99/month

Protector Plus Family Plan $11.99/month

  • Credit monitoring
  • CyberAgent internet surveillance
  • Court and public records monitoring
  • Non-credit loan monitoring
  • Child monitoring (only for family plan)
  • Change of address
  • Sex offender report
  • Social security number
  • $1 million insurance
  • Identity restoration

PrivacyGuard Review

#9

Visit Website

The Affinion Group’s PrivacyGuard offers three different plans. Its highest plan for $24.99/month has a decent combination of credit and identity monitoring, although its credit monitoring is the stronger of the two.

It also offers identity theft insurance and dedicated resolution services. However, all the reports of poor customer service and billing problems give us pause to recommend this company.

Pros

Cons

  • $1 million ID theft insurance
  • Fully managed recovery support w/ 24-hour hotline
  • Try it for 14 days for $1
  • Monitors email
  • FAQs, email and phone support
  • No family or child plan
  • Must request for certain items to be monitored
  • Customers say they randomly cancel your service
  • Customers aren’t pleased with their customer service
  • Not BBB accredited

Price

PrivacyGuard gives you a 14-day trial for $1.

 ID ProtectionCredit ProtectionTotal Protection
Price Per Month$9.99$19.99$24.99
3 Bureau Credit Reports & ScoresCheckmark
Checkmark
24/7 Daily Credit MonitoringCheckmarkCheckmark
Monthly Credit Score TrackingCheckmarkCheckmark
Credit Scores SimulatorCheckmarkCheckmark
Financial Calculator SuiteCheckmarkCheckmark
Credit Information HotlineCheckmarkCheckmark
Dedicated ID Fraud Resolution SupportCheckmarkCheckmarkCheckmark
ID Verification MonitoringCheckmarkCheckmark
Black Market Website SurveillanceCheckmarkCheckmark
Social Security Number Event TrackingCheckmarkCheckmark
Online Directory ScanCheckmarkCheckmark
Annual Public Records ReportCheckmarkCheckmark
Public Records MonitoringCheckmarkCheckmark
Online Fraud AssistanceCheckmarkCheckmark
Reduced Pre-Approved Credit Card OffersCheckmarkCheckmark
Lost & Stolen Wallet AssistanceCheckmarkCheckmark
$1 Million ID Theft InsuranceCheckmarkCheckmark

Intelius ID Protect Review

#10

Visit Website

You won’t find much on Intelius ID Protect’s website, but this service offers solid credit bureau monitoring and a few other good features, including $1 million insurance. However, it lacks a lot of features you can find elsewhere for a lower monthly price.

Still, it does have an A+ rating with the BBB and offers a 7-day free trial. So you could test it out for 7 days and cancel your membership after that if you’re not satisfied.

Pros

Cons

  • $1 million insurance
  • 7-day free trial
  • Good three credit bureau monitoring
  • Monitors your SSN, bank accounts and credit cards
  • Phone support and FAQs (not 24/7)
  • A+ BBB rating
  • Website is very bare
  • No family or child plan
  • Does not monitor your driver’s license or email
  • Doesn’t freeze your credit for you
  • No lost wallet assistance
  • Complaints about billing

Price

  • $19.95/month
    • Credit score from all 3 bureaus once a year
    • $1 million identity theft insurance
    • Monitor changes to your credit report & public records
    • Get alerts for signs of potential identity theft
    • View and track your credit score
    • See who has looked at your credit report

View our in-depth Intelius IdentityProtect Review

Complete ID Review

#11

Visit Website

Complete ID is an Experian ID theft service sold through Costco. Complete ID offers solid credit monitoring with all three bureaus, but it lacks in the ID monitoring department compared to many other services. What’s missing? Monitoring of your driver’s license, credit cards, bank accounts, email, social media and change of address.

It does offer a child add-on plan and $1 million insurance. Unfortunately, we’ve found too many complaints about customers not being able to access their system or reach anyone in customer service to recommend them at this time.

Pros

Cons

  • $1 million insurance
  • Detects use of personal information to apply for a line of credit, utilities, cell phone plans, etc.
  • Good three credit bureau monitoring
  • Child add-on plan
  • 24/7 support hours
  • Must be a Costco member
  • Doesn’t monitor driver’s license, change of address or email
  • Lacking credit card, bank account monitoring
  • Many consumer complaints about poor or non-existent customer support
  • Not BBB accredited

Price

Both pricing tiers include the same benefits.

Costco Executive Members

  • 90-day free trial
  • $8.99/month
  • +$2.99/month for child protection

Costco Gold Star Members

  • 30-day free trial
  • $13.99/month
  • +$3.99/month for child protection

Benefits include:

  • Annual 3b Credit Report, Vantagescore®, And 3b Monitoring
  • Monthly Credit Vantagescore® Updates
  • Internet Surveillance
  • SSN And Non-credit Identity Monitoring
  • Financial Account Application & Takeover Alerts
  • Payday Loan Monitoring
  • Criminal Records Monitoring And Neighborhood Watch
  • Lost Wallet Replacement Assistance
  • Full-Service Identity Restoration
  • $1 Million Identity Theft Insurance
  • 24/7 Member Service Support

View our in-depth Complete ID Review

Equifax ID Patrol Review

Visit Website

**Equifax is currently not offering any identity theft protection products due to its massive data breach in 2017. The following review was based on its most recent product, ID Patrol.

Equifax ID Patrol has one of the best Family Plans we have seen. On top of that, it monitors most items that competitors monitor. Where it lacks is its customer service, that’s why it is not ranked higher on our list. TrustedID was previously in this article but has been acquired by Equifax.

Pros

Cons

  • Great Family Plan that includes up to 2 adults and 4 children
  • Monitors your driver’s license number and email
  • Phone support and FAQs (hours not listed on website)
  • $1 million identity theft insurance
  • A+ BBB rating
  • Bad customer service
  • Some customers have been charged after they cancel
  • Does not monitor public records

Price

 ID PatrolID Patrol PremierComplete Family Plan
Price$16.95/month$19.95/month$29.95/month
Number of People1 Person1 PersonUp to 2 Adults and 4 Children
Daily Monitoring of Equifax, Experian, TransUnion Credit FileCheckmarkCheckmark
Daily Monitoring of Equifax Credit ScoreCheckmarkCheckmark
Equifax Credit File for Up to Four Children DailyCheckmark
Equifax Credit Report and Score - Unlimited AccessCheckmarkCheckmark
Equifax, Experian and TransUnion Credit Reports 1/yearCheckmarkCheckmarkCheckmark
Report LockingCheckmarkCheckmarkCheckmark
Credit AlertsCheckmarkCheckmark
Automatic Fraud AlertsCheckmarkCheckmarkCheckmark
Alert SharingCheckmark
Web DetectCheckmarkCheckmarkCheckmark
Financial AlertsCheckmarkCheckmarkCheckmark
Identity ReportCheckmarkCheckmark
Lost Wallet AssistanceCheckmarkCheckmarkCheckmark
Identity Theft AssistanceCheckmarkCheckmark
$1 Million Identity Theft InsuranceCheckmarkCheckmarkCheckmark

Have Questions?

If there’s one thing you take from this article, we hope it’s that you realize that the threat of identity theft is serious. It’s not an easy mess to clean up, and taking proactive steps to monitor you and your family’s identities is the best way to protect yourselves.

As always, we encourage you to ask any questions that you may still have in our comment section below, so we can make this content even better and you are empowered to make the best decision. For more tips to help you get protected online, read our Cyber Security Tips And Tricks.

Have you had an identity theft scare? Share your story with others in a comment below.

Sources: [1] IBM, [2] Javelin, [3] FTC[4] LifeLock 

Identity Guard™ Disclosures
*The scores you receive with Identity Guard™ are provided for educational purposes to help you understand your credit. Lenders use many different scoring systems, and the scores you receive with Identity Guard™ are not the same scores used by lenders to evaluate your credit.
Credit scores are provided by CreditXpert® based on data from the credit reporting bureaus. If you do not cancel your membership, your card will be charged a monthly fee based on the membership plan you choose. You may cancel your membership anytime simply by contacting Identity Guard™.
**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

2
Leave a Reply

avatar
newest oldest most voted
Phillip
Has anyone ever used IdentityForce? I get that this website thinks they are the best and I appreciate their pros and cons but would love some firsthand info on how they have helped someone with identity theft issues.
anonymous user
I’ve had LifeLock for years but am looking to switch so will give them a try, too bad they don’t have a mobile app though!