3 best identity theft protection services:

IdentityIQ

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Details

Best Overall

460 OVERALL RATING

4.6 out of 5

MONTHLY COST

$29.99

ANNUAL COST

FAMILY PLAN

MOBILE APP

COMPREHENSIVE PLAN

Ultra

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Identity Guard

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Details

Best Overall (tie)

360 OVERALL RATING

4.0 out of 5

MONTHLY COST

$23.99

ANNUAL COST

$20.00

FAMILY PLAN

MOBILE APP

COMPREHENSIVE PLAN

Ultra

Go website

LifeLock

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Details

Best Overall

460 OVERALL RATING

3.9 out of 5

MONTHLY COST

$34.99

ANNUAL COST

N/A

FAMILY PLAN

MOBILE APP

COMPREHENSIVE PLAN

Ultimate Plus

Go website




IdentityIQ:



Why We Picked It

Identity Secure Pro offers access to biannual credit scores and reports, more than many of its competitors, giving you a chance to catch any inaccuracies or fraudulent account applications. The service will alert you if it detects suspicious activity committed in your name, provide lost wallet assistance and more.

Pros
  • Includes junk mail opt-out service
  • Plan comes with biannual credit scores and reports
  • Monitors for synthetic ID theft
Cons
  • No family plan version
  • Doesn’t offer complete restoration services
  • No mobile app



Identity guard:


Why We Picked It

If you want something basic and inexpensive to help guard your credit beyond a free and simple credit freeze, PrivacyGuard’s Identity Protection may fit the bill. The service will regularly monitor your credit reports with the three main credit bureaus as well as your bank accounts, credit cards and public records.

Pros
  • Daily credit monitoring at the three main bureaus
  • Comes with an app
  • Inexpensive relative to other plans
Cons
  • Doesn’t offer family plans
  • Lacking the broader swath of protections offered by other service providers
  • Charges $1 for a 14-day trial period, other companies offer a free trial


Lifelock:


Why We Picked It

Not only does LifeLock Ultimate Plus with Norton 360 provide monitoring services commonly found on competing identity theft protection products, it also includes Norton antivirus software to protect your computers, tablets and smartphones and includes rarely covered services like home title monitoring and 401(k) and other investment accounts.

Pros
  • Has 24/7 customer support
  • Includes VPN access
  • Offers a money-back-guarantee on computer virus protection
Cons
  • No plan that covers an entire family, you have to purchase a separate junior plan
  • Must have sufficient credit history as decided by Equifax in order to be eligible for the credit protection and monitoring services
  • Allows you to lock your credit file with TransUnion but not Experian or Equifax