10 Best Identity Theft Protection (Features, Pricing, Pros & Cons)

Looking for an adequate solution to shield your personal information and fraudulent uses to obtain credit, loans, property? Companies that protect clients from identity theft monitor suspicious activity to make sure the users’ personal information is safe. Which one is best?

In this article, we’re going to look at the companies offering the best identity theft protection. You’ll find:

  • ✓ Detailed methodology we used to pick the best companies
  • ✓ Reviews of the offered service, along with pros & cons
  • ✓ Our buyer’s guide and prevention tips

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Identity Theft Protection Software

1. IdentityForce

Up to $1 million identity theft insurance

100% identity restoration guarantee

ChildWatch

Best Mobile Cybersecurity

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Offering a wide array of monitored accounts, a mobile app that comes with a cybersecurity tool, an affordable plan with a 14-free trial, and 100% identity restoration guarantee, places IdentityForce at a top position on the market.

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Variety Of Features

Tech Support

Reputation

Pricing

2. LifeLock

Identity lock

Discount during the first year

60-day money-back guarantee

Best Money-Back Guarantee Plan

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With Norton LifeLock identity theft protection, your identity remains safe both offline and online. You can lock your TransUnion credit file to feel safe, and the affordable annual plans also come with a 60-day money-back guarantee.

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Variety Of Features

Tech Support

Reputation

Pricing

3. Experian IdentityWorks

Identity lock

30-day free trial

Real-time alerts

Best For Families

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Experian IdentityWorks offers very comprehensive and affordable family plans. By monitoring plenty of accounts and providing high insurance for all plans, the company shows how certain it is of its ability to protect you.

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Variety Of Features

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Pricing

4. Identity Guard

Uses IBM Watson

Home title monitoring

Risk management reports

Best For Home Title Monitoring

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Identity Guard combines traditional monitoring with a powerful AI to offer the best ID monitoring possible. Besides monitoring plenty of accounts, it also monitors home titles and provides risk management reports.

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Variety Of Features

Tech Support

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Pricing

5. IdentityIQ

Enhanced monitoring

Dark web monitoring in 25 languages

$25,000 reimbursement for children

Most Detailed Alerts

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Identity IQ has taken the concept of the best identity theft protection to another level. The company monitors every single detail of every account and even offers reimbursement for children in the unlikely case of identity fraud.

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Variety Of Features

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Pricing

6. Identity Defense

Uses IBM Watson Artificial Intelligence

Family plan available

Cloud-based

Best Cloud-Based Solution

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Identity Defense is a new player on the market, and judging from the customers’ comments, this cloud-based company is quite good at what it does. IBM Watson provides enhanced monitoring, and $1 million identity theft insurance should give you peace of mind.

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Variety Of Features

Tech Support

Reputation

Pricing

7. Zander Insurance

Affordable family plan

Unlimited recovery services

Child ID, medical ID number, and tax fraud monitoring

Best For Tax Fraud Monitoring

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Zander Insurance has been around for very long and is a well-respected company. It offers simple and affordable plans, thorough monitoring, unlimited recovery, and a great family plan.

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Variety Of Features

Tech Support

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Pricing

8. ID Watchdog

Identity profile report

Equifax child credit lock

English and Spanish customer care

Best For Pre-Existing Fraud Resolution

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ID Watchdog offers plenty of unique identity theft monitoring services. Between a child credit lock, establishing an identity profile report, and offering reimbursement for 401(k)/HSA stolen funds, it’s a great solution all over.

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Variety Of Features

Tech Support

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Pricing

9. McAfee Identity Theft Protection

Discount for the first term

$10,000 stolen funds reimbursement

Scan up to 64 distinct identity elements

Most Detailed Dark Web Monitoring

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McAfee’s identity theft services come at incredibly low rates during the first month, so you can see whether the detailed dark web monitoring, payday loans, and other features work for you.

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Variety Of Features

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Pricing

10. IDShield

30-day free trial

Powerful mobile app

Deletes information gathered by data brokers

Best ID Theft Protection For Canada

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IDShield is a great choice for all those who want a great mobile app and detailed protection. It’s also available in Canada and offers a 30-day free trial.

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Variety Of Features

Tech Support

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Pricing

Selection Methodology

Our aim was to find companies that offer great services, but the number of credit agencies monitored played a role as well. Companies that allow you to choose how often you get credit reports and scores have a big advantage. We made sure our list featured identity theft protection companies that offer identity theft insurance and great mobile apps. Here’s everything we took into consideration when choosing the 10 best companies:

✓ Main Services & Features

Having professionals monitor your credit score is important, but you may want to have your medical and criminal records monitored, too. And what about dark web monitoring? We went for companies that offer plenty of these services to make sure you find exactly what you need.

✓ Monitored Credit Agencies

Most of the companies we picked let you choose between monitoring one bureau (usually Equifax) or three (Equifax, Experian, TransUnion).

✓ Frequency of Credit Reports and Scores Submissions

Do you need your reports and scores daily, monthly, or quarterly? Would you like annual reports, too? Whatever the answer, you’ll find just what you need on this list.

✓ Tech Features

One way to get truly the best identity theft protection is to receive alerts every time there’s suspicious activity. Having a mobile app or getting notifications via email/SMS makes that easy.

✓ Identity Theft Insurance

What happens if the worst comes to pass? With these companies, not only can you expect identity restoration, but you also get reimbursement and insurance money.

✓ Pricing Plans

We looked for the most affordable options, and those offering both individual and family packages. Most of these companies’ pricing is tier-based, so you’ll only be paying for what you need. 

✓ Technical Support

Sometimes, a company can lose access to one of your accounts, or some other issue may come up. When that happens, it’s important to know that the customer and technical support will solve it quickly and help prevent identity theft.

✓ Reputation & Reviews

We didn’t only rely on what these companies claim on their websites. By taking a close look at what trustworthy reviews are saying, we double-checked every piece of information and got some new insights to share with you.

At a Glance

  • Free trial
  • Mobile app
  • Wide variety of services
  • 100% identity restoration guarantee
  • Occasional loss of access to certain accounts
  • Customer support doesn’t always call back

In 1978, Herbert P. Bearak formed a loss prevention analysis company. In 2006, that company became IdentityForce. Today, the award-winning company is BBB-accredited and trusted by the U.S. government.

The comprehensive monitoring and reporting are among the best identity theft protection services of 2020.

Monitoring includes:

  • Credit bureaus
  • Court records
  • Change of address
  • Thousands of websites, including dark web monitoring
  • Payday loans
  • Social media
  • Sex offenders registry

The company will alert you if anything looks suspicious, and it will also do so if your mail has been redirected via USPS. Meanwhile, the IdentityForce mobile app lets you see your financial records, social media insights, and quarterly credit score updates. With the app, you also get Mobile Attack Control, a cybersecurity tool that provides mobile online identity theft protection.

IdentityForce lets clients be in control of their own ID protection via:

  • Credit reports
  • Monthly credit score tracker
  • Credit score simulator
  • Two-factor authentication
  • Junk mail opt-out
  • Lost wallet assistance
  • Medical ID fraud protection
  • Online PC protection tools

The more affordable plan is $17.99/month and, except for credit monitoring, tracker, and simulator, it offers everything that the more expensive one does. You can try it out during a 14-day free trial.

The higher-tier plan includes the monitoring of three credit bureaus.

For $2.29/month, you can add ChildWatch and have the company monitor your child’s Social Security Number. Meanwhile, businesses can get a Data Breach RapidResponse Plan.

If that wasn’t enough to call IdentityForce one of the best identity theft protection companies, maybe this is: the reimbursement in case of identity fraud is up to $1 million, with a 100% identity restoration guarantee.

IdentityForce’s customer support is available via phone, email, and social media. While they are responsive, some customers have complained that they don’t always get a call back.

At a Glance

  • Up to $1 million identity theft insurance
  • Discount during the first year
  • Affordable
  • Secure VPN
  • 60-day money-back guarantee
  • Notifications aren’t perfectly synced

LifeLock was founded in 2015 in Arizona. During the same year, the company faced Federal Trade Commission investigations and charges over deceptive advertising. In 2019, the company was renamed Norton LifeLock and started incorporating Norton 360 services into its packages.

While ID protection comparison shows LifeLock has services similar to its competitors, there are certain features that make it stand out:

  • Monitoring credit card activity
  • Searching for new bank account applications
  • Taking a close look at the dark web and sex offenders records
  • LifeLock allows locking your TransUnion credit file, just to be safe.

Secure VPN protects you as you browse the internet using public WiFi. You get a certain amount of cloud backup depending on the plan, and as an Ultimate Plus member, you’ll be able to see monthly changes to your Equifax credit information.

When something suspicious happens, you can choose to be alerted via phone, text, email, or a mobile app that lets you respond to any fraud alert right away.

  • Select plan starts at $9.99/month (first year only, $14.99/month afterwards). With the Select plan, there’s no credit scores or reports, and credit monitoring is only possible via one bureau.
  • More expensive plans are still affordable (Ultimate Plus is $24.99/month during the first year), and offer a wider variety of services. For example, 3-bureau monitoring only comes with Ultimate Plus. One other good reason LifeLock is among the best-rated identity theft protection companies is its 60-day money-back guarantee that comes with the annual plan.

LifeLock offers reimbursement in case of ID theft and cover for lawyers. The amount depends on the plan: it’s $25,000 for the most affordable ones, $100,000 for the more expensive one, and $1 million for Ultimate Plus. This insurance is covered by the United Specialty Insurance Company.

You can reach LifeLock’s customer support via phone or a web form. While some customers are happy with it, others have complaints regarding its efficiency.

At a Glance

  • Real-time alerts
  • Affordable family plan
  • Up to $1 million identity theft insurance
  • 30-day free trial
  • Data not always up to date
  • Not very responsive customer support

The beginnings of this huge credit reporting company can be traced back to 1897. Experian as we know it, however, was formed in 1996 when the U.S. and the UK businesses combined. The company is currently located in Ireland. In 2005, the company faced Federal Trade Commission investigations and charges over issues with the “free credit report” offer.

Experian offers a wide variety of services such as credit support, FICO score boost, loans, etc. When it comes to protection against ID theft, the company monitors plenty of things, such as:

  • Financial accounts
  • Dark web
  • SSN
  • Social networks
  • Sex offenders registry
  • Court records
  • Address change
  • File-sharing network
  • Payday loans

And sends users real-time alerts. You can also lock and unlock your Experian credit file with ease, get daily FICO scores based on Experian data, opt for quarterly 3-bureau data instead, and use a FICO score simulator.

Experian offers one individual and two family plans, which is something you won’t see often.

The three pricing tiers include:

  • for adults only
  • one adult and ten children
  • and two adults and ten children.

Each tier has two separate pricing plans (the more expensive one monitors three credit bureaus, the cheaper only Experian), and the most affordable one costs only $9.99/month. With a 30-day free trial, no wonder many see Experian IdentityWorks as the best free identity theft protection, especially for families.

But none of it is worth much if there’s no proper insurance. Experian’s most affordable IdentityWorks plan encompasses identity theft insurance of up to $500,000, while most expensive plans go all the way up to $1 million.

The only way to reach customer support is via phone. However, some customers have complained about their ability to help.

At a Glance

  • Risk management reports
  • User-friendly mobile app
  • Affordable
  • Family plan
  • No SSN monitoring
  • Prices recently got higher

Identity Guard was founded by Intersections Inc. in 2001. This award-winning company combines conventional monitoring and IBM Watson, an AI with powerful scanning abilities and a strong fraud detection system. The result is, according to many, the best identity fraud protection.

Besides monitoring your financial accounts, dark web, sex offenders registry, investment accounts, and social media, Identity Guard also provides risk management reports. It notifies users about enormous data breaches and monitors high-risk transactions. The safe browsing tool keeps you safe online, while home title monitoring ensures your property remains yours. Once there’s suspicious activity, you can get alerts via email or a mobile app.

The basic plan is extremely affordable – only $8.99/month – but offers no credit monitoring, scores, or reports. With more expensive plans, you’ll get a monthly one-bureau credit score and three-bureau credit monitoring. The most expensive one includes a three-bureau annual credit score report. More expensive plans also encompass social media insights and home title monitoring. There are family plans as well, which cover all adults and children in a household. If you run a business, you may need Identity Guard’s data breach response plan. Identity Guard offers up to $1 million in stolen funds reimbursement.

When we compare identity protection companies, we always mention customer support. Identity Guard’s support can be reached by phone or email and has been described as great.

At a Glance

  • $1 million in identity theft insurance
  • Great customer support
  • Enhanced monitoring
  • $25,000 reimbursement for children
  • No reports of scores with the basic plan
  • No free trial

Founded in 2009 and based in California, the BBB-accredited company prides itself on offering enhanced credit protection. In fact, their identity theft protection software provides plenty of services unique to the company:

  • Dark web monitoring in 25 languages
  • Monitoring the National Change of Address Registry
  • All utility, cell phone, and bank account applications are monitored, even if the credit isn’t being pulled
  • You can pull your credit reports up to 12 times a year and verify them
  • You’ll get alerts whenever your TransUnion score changes by 10+ points or new authorized users are added to your credit card
  • You’ll also be alerted whenever your SSN is used (not only with the wrong name or address)

It’s clear that the company tries hard to offer the best identity theft protection program out there. In case an identity fraud does happen, clients get a dedicated U.S.-based case manager to help them restore their identity.

The most affordable plan is only $6.99/month and offers all the basic protections, including lost wallet assistance and junk mail opt-out. It only includes 1-bureau monitoring and no credit reports and scores. The more expensive plans monitor three credit bureaus and offer more enhanced monitoring.

While every plan carries up to $1 million in identity theft insurance, the Secure Max Plan also includes up to $25,000 for clients’ children.

Customer support is easy to reach via phone. They’re very responsive and able to assist you with any issue.

At a Glance

  • $1 million in identity theft insurance
  • Risk management reporting
  • Family plan available
  • Uses IBM Watson AI
  • Good customer support
  • Not too much information on the company

Identity Defense is a relatively new company on the market, so there’s not much to find about it. However, it wouldn’t be featured on our list if identity theft companies’ ratings didn’t show it was performing quite well.

Identity Defense is entirely cloud-based and uses IBM Watson Artificial Intelligence to monitor suspicious activity. Its clients get monitoring in these areas:

  • Dark web
  • Bank account takeovers
  • Email address
  • Social insight

They also get a monthly credit score and risk management reporting on top of that.

There are both individual and family plans to choose from.

The Essential plan is $9.99/month during your first month and renews at $14.99/month. It offers only risk management reporting and dark web monitoring. The more expensive plans give you 3-bureau credit monitoring and enhanced monitoring in general. All plans (individual and family) come at a discounted rate during your first term.

Identity Defense offers $1 million identity theft protection insurance.

When it comes to customer support, Identity Defense isn’t very easy to reach. The only way to do so is via the website, by opening a web ticket. Though this process seems unnecessarily complicated, many customers found the service quite good.

At a Glance

  • $1 million in identity theft insurance
  • Unlimited recovery services
  • 24/7/365 customer support
  • Affordable family plan
  • No credit bureau monitoring
  • No tier pricing

Founded in 1925 by Herman Zander, and currently run by the fourth generation of Zanders, this Tennessee-based company has made quite a name for itself in the field of insurance. Zander Insurance provides aid for home, auto, disability, long-term care, term life, business insurance, and more. Thanks to its dedication and results, the company is BBB-accredited and endorsed by some of the TV and radio’s big names, like Dave Ramsey.

When it comes to protection against ID theft, Zander Insurance covers virtually everything:

  • Financial fraud
  • Tax fraud
  • Medical ID theft
  • Child ID theft
  • Criminal ID theft
  • Home title fraud
  • Benefits and employment fraud
  • Social security fraud

So whether you’re worried about paying someone else’s medical expenses, or that someone might be collecting unemployment checks in your name, Zander Insurance’s got you covered. The company even offers lost wallet protection and unlimited recovery services. However, when it comes to financial fraud, don’t expect Zander Insurance to monitor your bank account number or credit card activity. What it will do instead is look for those numbers being used online.

With Zander Insurance, there are no pricing tiers. Everyone gets the same deal, the only difference being whether it’s an individual or a family plan. And it’s the best identity theft protection family plan when it comes to affordability: for $12.90/month, two adults are protected, and up to ten children get the same protection for free. The individual plan costs only $6.75/month.

In case an identity theft somehow occurs, you’ll get up to $1 million for stolen funds, legal fees, lost wages, and other expenses.

Zander Insurance’s responsive and helpful customer support is available via web form, phone, or email, 24/7/365.

At a Glance

  • Family plan
  • $1 million identity theft insurance
  • 24/7/365 customer support (English and Spanish)
  • Up to $500,000 for 401(k)/HSA stolen funds reimbursement
  • Family plan only for up to four children
  • No free trial

Founded in 2005 by the credit reporting company Equifax, ID Watchdog has made quite a name for itself in the field of ID protection. Besides the regular services plenty other ID protection companies offer (dark web monitoring, lost wallet assistance) it has plenty of more specific features like:

  • Subprime loans monitoring
  • Identity profile report – using up to 30 years of verified and unverified identity records to establish a baseline
  • Equifax child credit lock
  • National provider identifier monitoring – looking for any changes in healthcare providers’ National Provider ID number
  • Legal care (as part of employee benefits)
  • Deceased family member fraud remediation

ID Watchdog has a mobile app where you can lock or unlock your Equifax credit report, get customized alerts and flag them for follow-up, as well as add additional documents for dark web monitoring. Depending on your plan, you’ll get a daily or monthly 1-bureau Equifax credit report, as well as annual 3-bureau credit reports. In case these fraud protection services aren’t enough and an identity theft does happen, dedicated resolution specialists will get you your identity back.

  • Individual plans start at $14.95/month and encompass 1-bureau monitoring and identity theft resolution.
  • The more expensive one ($19.95/month) has 3-bureau monitoring and features subprime loan block and even a pre-existing condition resolution.
  • Family plans (two adults and up to four children) feature the same services, but with Child Lock being available on both. They start at $25.95/month.

All plans feature $1 million identity theft insurance, with more expensive plans giving up to $500,000 for 401(k)/HSA stolen funds reimbursement.

To reach ID Watchdog’s 24/7/365 customer support, call them via phone or mobile app. Its support has an above-average (86%) Customer Satisfaction Score, and it’s available in English and Spanish.

At a Glance

  • Scan up to 64 distinct identity elements
  • $10,000 stolen funds reimbursement
  • $1 million identity theft insurance
  • 24/7/365 customer support
  • Insurance not available in the State of New York
  • No free trial

In 1987, John McAfee founded the technology security company called McAfee Associates, Inc. In 2011, Intel purchased it, and it became part of the Intel Security division. McAfee specializes in cybersecurity and provides services and products like antivirus, mobile security, and online privacy.

The company’s identity theft services include:

  • Internet and dark web monitoring. Scans up to 64 pieces of your personally identifiable information across 10 different categories
  • Social Security Number tracing
  • Identity restoration
  • Payday loans monitoring
  • Lost wallet assistance
  • Social media monitoring
  • Bank account takeover
  • Change of address report
  • Sex offenders registry monitoring

Though there are no free trials for McAfee’s identity theft services, pricing for the first month is a lot lower compared to the regular price. For example, the most affordable plan is regularly $7.99/month, but during the first term, you can protect your identity for only $0.99/month. This plan includes features like SSN monitoring and identity restoration but lacks the annual reporting present in the other two plans.

The Standard and Plus plans offer 1-bureau monitoring, while the Premium plan offers the best protection against identity theft by monitoring three credit bureaus.

Each plan features $1 million identity theft insurance and up to $10,000 stolen funds reimbursement. However, neither are available in New York (state).

McAfee’s great customer service is available via phone 24/7/365.

At a Glance

  • Powerful mobile app
  • 24/7 emergency support
  • $1 million identity theft insurance
  • Available in Canada
  • On the more expensive side
  • Not the best user experience

While making a list of the best identity theft protection tools in 2020, we can’t fail to mention IDShield. The company is a product of LegalShield, which started in 1972 as a way to provide affordable legal services.

IDShield offers plenty of common ID theft protection services like dark web monitoring, financial accounts tracking, identity restoration, etc. But there are some services that make it unique. Those include unlimited consulting with fraud experts, telecom monitoring, as well as help with credit card disputes. IDShield also puts a stop to the selling of personal info by helping you remove your personal information from data brokers’ profiles. Plus, while most of these companies only offer their services in the U.S., IDShield offers them in Canada as well.

Another thing the company’s doing right is the mobile app. IDShield has truly put the best identity theft protection and credit monitoring features into its app, and provides users with:

  • High-risk monitoring for early detection
  • Public records monitoring
  • Court records monitoring
  • Address change monitoring
  • Sex offender monitoring
  • Credential monitoring (so you know whether there are any passwords you should change)
  • Biometric or passcode login

It also offers FAQs and tips on identity theft, medical ID theft, and data breaches.

Individual and family plans both have two tiers, which differ only by the number of the bureaus being monitored. While the more affordable plans – $13.95/month for individuals, $17.95/month for families – only monitor TransUnion, the more expensive ones cover all three credit bureaus. You can try IDShield’s identity theft monitoring services for free during a 30-day trial.

Each plan comes with $1 million identity theft insurance that covers everything from legal fees to 401(k) stolen funds.

IDShield has great customer support. They’re available via phone, live chat, and email. The free consultation is unlimited, and emergency issues are taken care of 24/7.

2020's Identity Theft Protection Services

  • IdentityForce – Best mobile cybersecurity
  • LifeLock – Best money-back guarantee plan
  • Experian IdentityWorks – Best for families
  • Identity Guard – Best for home title monitoring
  • IdentityIQ – Most detailed alerts
  • Identity Defense – Best cloud-based solution
  • Zander Insurance – Best for tax fraud monitoring
  • ID Watchdog – Best for pre-existing fraud resolution
  • McAfee Identity Theft Protection – Most detailed dark web monitoring
  • IDShieldBest identity theft protection for Canada

What Is Identity Theft? Who Is At Risk?

Identity theft occurs when fraudsters use your personal information to get loans, pose as you while committing crimes, pay for medical expenses with your money, etc. Losing money in the process is the obvious consequence – in 2019, consumers have lost more than $1.9 billion due to fraud. By finding the best identity theft protection service for yourself, you can make sure it doesn’t happen to you. 

There are many more consequences of identity theft. For one, restoring your identity once it’s been stolen is a nightmare. In extreme cases, people lose as many as 1,200 hours resolving identity theft issues. Then there is all the stress that comes with it. One big mistake people make is assuming it doesn’t happen all that often. But in 2018 alone, 60 million Americans were affected by identity theft

And then there are children. Over 1 million children in the U.S. became identity theft victims in 2017. They are often targeted because they have a “clean slate”, meaning fraudsters can easily create new accounts from their SSN and other information and start applying for credit. Once they do, the children’s credit score goes bad, which is something you aren’t likely to notice until it’s too late. That’s why finding the best family identity theft protection matters a lot.

To cut a long story short – no one is safe. No matter who you are or how old you are, as long as you possess any sort of personal information, you’re a potential victim of identity fraud. However, there is a silver lining to it. The number of identity theft incidents has been slowly declining for two years in a row. Why? It’s because people started taking identity theft monitoring a lot more seriously.

Types of Identity Theft

One of the dangers of identity theft is the fact that it comes in so many different forms. Since that is the case, it means everyone is vulnerable and every piece of information, no matter how unimportant it looks, can help cybercriminals commit fraud. Here are the most common types of identity fraud:

  • Account takeover. This happens when a malicious actor gains access to your bank account. Once in, they can easily withdraw and transfer money.
  • Account creation. The reason your Social Security Number should be kept safe is that fraudsters can use it to create a new identity. Once they do, they can start applying for credit. The good news is, having the best possible identity protection can prevent that from happening,
  • Child identity theft. Since children don’t have a credit score yet, they’re perfect targets for fraudsters. And the worst thing is, it can take years to figure out someone has been destroying their credit score.
  • Medical identity theft. If you notice you’re being billed for medical services you haven’t received, chances are someone has assumed your identity to pay their own bills.
  • Tax fraud. There are many ways someone can use you to gain some tax money. They can use your Social Security Number to avoid paying or even collect your tax returns.
  • Criminal identity theft. Anyone claiming to have the best identity theft protection service will be tracking court records in search of your personally identifiable information, since someone may use it to pose as you while committing crimes.
  • Home title fraud. Fraudsters may use your personal information to gain ownership of your property.
  • Benefits and employment fraud. If someone is using your personal identifiable information to collect unemployment benefits while you’re getting a salary, the government may see it as double-dipping and may accuse you of fraud.

How to prevent ID theft?

When it comes to identity theft prevention, you can do plenty on your own. However, it requires a lot of time, dedication, and work, which is why many people choose to let professionals handle it. If you want to give it a go yourself, here’s how to start:

  • Review your credit card and bank statement once a week. That way, you’ll be able to monitor suspicious activity.
  • Freeze your credit. Since lenders need to see your credit reports before approving a loan, this will prevent fraudsters from using your account. 
  • Review your credit reports each year. You may find names or social security numbers you don’t recognize, indicating you may have been an identity theft victim.
  • Use unique and complicated passwords. The easiest way for cybercriminals to access your personally identifiable information is to guess something as simple as “123456” or “qwerty”.
  • Use two-step authentication and antivirus software. Even with a strong password, having a second authentication method (SMS, biometrics) is a good idea. An antivirus program is a must, as you never know when a piece of malware can enter your PC/mobile.

Get your mail out of your mailbox as soon as possible. You may have noticed that part of the best personal identity theft protection is making sure no one gets to your physical mail. It contains plenty of your personal information and is fairly easy to acquire if you let it sit in your mailbox too long.

How To Choose Identity Theft Protection Services

If you have a Social Security Number, bank account, credit card, or any property – you need theft protection services. People often make the mistake of thinking fraudsters only go after very rich individuals. The truth is, fraudsters go after anyone whose personal information they can obtain.

To choose the best identity theft protection for yourself, take these things into consideration:

Services you need. While some may only need monitoring of their financial accounts, you may prefer having dark web monitoring, home title monitoring, or monitoring of court and public records as well. 

Alerts, reports, monitoring, analytics. Do you want to get all the possible alerts or just the ones you pick? How often do you want to receive credit reports? Would you like to know how your credit score changes over time? Answer questions like these to find out what the best ID protection looks like for you.

Identity restoration support. In case the worst happens, you may want to have a dedicated manager/team to help you get your identity back.

Identity theft insurance. It’s always good to know you’re insured in case someone gets away with stealing your identity.

Do you need an individual or a family plan? One company may offer great individual plans, but they might not have the best identity theft protection for families, or may not offer such services at all. Look for companies that offer the kind of plan you need.

Extras. Plenty of these companies offer extra services like social media insights, PC protection, change of address alerts, medical ID monitoring, credit score trackers, simulators, etc. If you feel that would be helpful for you, go for those companies. 

Affordability and value. The pricing and the way plans are formed (same for everyone, several tiers, etc.) also matter. Look for companies that offer everything you need for a price you can afford, in a way that suits you.

Key Takeouts

The one thing we’ve hoped to achieve through these best identity theft protection reviews is to show you that anyone can become an identity theft victim. You have two choices: hope it doesn’t happen to you or do your best to prevent it. There are plenty of things you can do yourself, but they take a lot of time you might not have. You’d need to track all your records, accounts, credentials, and even your physical mail. Plus, monitoring the web, public, and court records for your PII isn’t all that simple. That’s why it makes sense to leave it to the professionals. The companies from our list offer detailed monitoring, alerts, and reporting, making sure you get the best identity theft protection and peace of mind.