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Identity Force Review

Identity Force offers credit scores and monitoring coupled with some of the best identity protection features around. While the high price tag may discourage the budget-conscious, others may be interested in their complete credit services and the resulting peace of mind. Free Trial

Cliff Brody

Cliff Brody

Credit Report Expert

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Updated: February 12, 2014

The Good

Wide variety of services:

Once you create an account with Identity Force, you can view your credit scores from all three bureaus along with your credit reports. They also provide you with a list of factors that are affecting your scores so you gain a general understanding of how your score was calculated. All your credit reports are monitored with Identity Force's UltraSecure+Credit plan so you can stay apprised of any recent changes. This way, you're able to remove any inaccurate or fraudulent information that appears before it significantly damages your overall creditworthiness.

Credit score tracker:

Every month, Identity Force updates your credit score so you can get an accurate representation of where you stand. This tracker helps you understand what factors influence your credit score in a negative or positive direction. You can then use this information to make better decisions in the future to improve your creditworthiness. This credit score tracker only applies to your single-bureau credit score, but it should still give you a very good idea of how lenders see you.

Outstanding ID protection features:

As their name implies, Identity Force offers identity theft protection services as well as credit monitoring. They notify you of any suspicious use of your credit or debit cards, and they also check for unauthorized use of Social Security numbers for adults and minors. For those that do become victims of identity fraud, Identity Force offers lost wallet protection, $1 million in identity theft insurance, and access to Identity Restoration Advisors who help you take care of the problem quickly. All these offerings help you feel at ease about the security of your personal information.

Easy-to-use online account:

Identity Force's online accounts are very user-friendly, with most of the important information being accessible right on the dashboard. You can view all your alerts as well as your credit reports and scores from all three major credit bureaus. If you ever have a question about your account, there is a built-in resource center that guides you to the appropriate page so you can resolve your issue as quickly and painlessly as possible. Being able to access all of this in one place is very convenient and goes a long way toward making you feel more confident that your credit and identity are in good hands.

The Bad

No one-time report option:

If you're just looking to check your credit scores or view your reports, Identity Force may not be the company for you. There is no way for you to view your reports without signing up for their credit monitoring service. In this case, a company like Experian may be a better choice. If you are looking for complete credit services, though, Identity Force may still be a good fit.

The Details

Details
Automatically Enrolled in Credit Monitoring Yes
Available Reports Equifax, Experian, TransUnion
Available Scores Equifax, Experian, TransUnion
Length of Free Trial Period 14 days
Monthly Monitoring Fee After Free Trial $19.95
One-Time Credit Report Price $19.95
One-Time Credit Score Price $19.95

Features

Credit Monitoring

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  • Email Notifications - You can receive email notifications of major changes to your credit score.
  • Equifax Monitoring - The credit company provides 24/7 monitoring of your Equifax credit file.
  • Experian Monitoring - The credit company provides 24/7 monitoring of your Experian credit file.
  • Identity Theft Protection - The credit score company will monitor your personal information and help you protect against identity theft.
  • Monthly Credit Statement - The credit score company provides a monthly credit statement.
  • TransUnion Monitoring - The credit company provides 24/7 monitoring of your TransUnion credit file.
  • FICO Monitoring - The credit company monitors your FICO scores.
  • Text Notifications - You can receive text notifications of major changes to your credit score.

Credit Reports

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Credit Scores

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Report Content

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Online Tools

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Support

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Learning Materials

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Mobile

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Pricing

UltraSecure + Credit

$19.95/month or $199.50/year

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