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IdentityForce Identity Theft Protection Review

IdentityForce, a service of the TransUnion credit bureau, monitors your personally identifiable information (PII) so you don’t have to do it manually. While it monitors all of the basic areas that most identity theft protection services do, such as court records, investment accounts, and bank accounts, it does provide a few additional monitoring services that all providers do. don’t offer, like those for payday loans and social media. Plus, it can help reduce the amount of spam you receive, all for mid-tier pricing.

Key points to remember

During testing IdentityForce, I found it offers full criminal and financial identity monitoring services, as well as credit monitoring if you upgrade to the UltraSecure+ credit plan. Its prices are reasonable, starting at around $18 per month, and both service plans include identity theft insurance of up to $1 million.

The biggest problem with IdentityForce is its iOS and Android apps, which are quite buggy. The ratings don’t lie: customers give it just 3.1 on the Apple App Store and 2.4 on Google Play. So if you want an identity theft protection service with a great mobile app, you might want to consider another option.

That said, since IdentityForce offers a 30-day free trial for its UltraSecure package (identity monitoring but no credit monitoring included), you have nothing to lose by trying it out. IdentityForce is one of the only identity theft protection services that includes a free trial, so you might as well take advantage of it.

What is monitored

  • Bank, investment and credit card accounts: Financial accounts are important places to check for signs of identity theft, which is why IdentityForce monitors things like 401(k) retirement accounts, bank accounts, credit cards, debit cards, investment accounts, payday loans and credit reports with the next level. to plan. It’s pretty comprehensive, although the service doesn’t monitor new checking or savings accounts opened in your name or high-risk transactions. If you want any of these monitoring options, check out Identity Guard, another of the best identity theft protection services on the market.

  • USPS Address Change Requests: You may not realize how much of your personal information is in the mail you receive, which is why it’s important to know if someone is requesting a change of address with USPS. This monitoring guarantees that you are the only one to receive your mail. I like how IdentityForce will alert you if someone makes a USPS address change request using your information so you know your mail, and the PII it contains, is safe.

  • Court records: If your name appears in court records, IdentityForce will alert you.

  • Credit: The UltaSecure + Credit plan provides your credit scores and credit reports from all three bureaus (TransUnion, Experian, and Equifax). However, if you want to save some money, you can buy UltraSecure and check your credit reports yourself. Don’t forget that you can get a free credit report from annualcreditreport.com every year.

  • Dark Web: IdentityForce alerts you if any of your PII or login credentials are bought or sold on the dark web.

  • Sex Offender Registries: Under federal law, information about potential predators like sex offenders can be publicly posted on the Internet. Additionally, all states have some version of Megan’s Law, which stipulates how sex offenders must register with the state and how the public can view this information. But what if someone uses your personal information during registration? IdentityForce monitors the registry to prevent this, looking for your personal information.

  • Social Security number: Your Social Security Number (SSN) is one of the most valuable bits of information about you, so naturally you’ll want to know every time it’s used. Fortunately, IdentityForce makes sure that only you use your SSN – unlike Identity Guard, which doesn’t have SSN monitoring. Knowing how important your SSN is, I found it to be a very valuable monitoring option that sets IdentityForce apart.

If your identity is stolen during your IdentityForce subscription, you’ll benefit from the company’s million-dollar identity theft insurance policy as well as its restoration services. A team of US-based certified protection experts is available 24/7 to help you make calls, complete paperwork, and restore your identity. They will also help you take advantage of your insurance policy, which breaks down into the following coverages and limits:

Cover Limit Period of time
Global limit $1,000,000 Per period of insurance
Lost salary $2,000 Per week up to 5 weeks
Trip costs $2,000 Per period of insurance
Elder care and child care costs $2,000 Per period of insurance
Initial legal consultation $2,000 Per period of insurance

I found it helpful that you don’t have to pay a deductible for any of the covers, which means you can benefit from your policy as soon as your application is approved. Identity theft is never entirely preventable, but insurance can give you peace of mind that you will have someone by your side to help you through the process if you ever fall victim to it.

Besides basic monitoring, IdentityForce offers its customers some valuable extras:

  • Disabling spam: Not only is junk mail annoying, but it’s also insecure; is it easy for someone to break into your mailbox and get your PII? With IdentityForce, you will receive 90% less spam.

  • Lost Wallet Assistance: Losing your wallet is one of the most stressful things that can happen. But if you lose your wallet with IdentityForce, the company will help you replace its contents and further protect your finances and identity. I love that it helps you cancel any debit or credit cards so that you can protect your finances as well as your identity.

  • More digital security tools: IdentityForce is not just identity theft protection; it also provides you with antivirus software that protects your computer against malware and phishing. It’s a great value for a low price.

Pricing

Price-wise, IdentityForce is one of the more affordable options, especially if you choose the UltraSecure plan and monitor your credit manually. The UltraSecure and UltraSecure + Credit plans include the same identity monitoring, but the latter also includes credit monitoring through all three bureaus. Here are the features included in both plans:

  • Insurance and catering: Identity theft insurance up to $1 million and fully managed identity restoration services

  • Financial monitoring : Bank accounts, credit cards, debit cards, investment accounts and payday loans

  • Internet monitoring: Dark web, SSN and social media

  • Criminal areas: Court Records, Fraud, Medical ID Fraud, Sex Offender Records, and USPS Address Change Request

  • Digital Security: Mobile attack control, online PC protection tools

  • Other services: Disabling spam, support for lost wallet

Here is the pricing information:

IdentityForce Ultra Secure UltraSecure + Credit
30 day free trial Yes Nope
Price per month (individual) $17.99 $23.99
Price per year (individual) $179.99 $239.99
Savings with annual plan (individual) $35.89 $47.89
Price per month (family) $24.90 $35.90
Price per year (family) $249.00 $359.00
Savings with annual plan (family) $49.80 $71.80

To save money, sign up for a year. This will save you $35.89 as an individual or $47.89 for the family plan, as children also need their identities protected by monitoring services.

to sum up

As long as you can handle its less than stellar mobile app, IdentityForce is a great option for identity theft protection. It has extensive coverage, low prices, and you can protect your whole family with just one subscription.