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 $23.95
One-Time Credit Report Price $23.95
One-Time Credit Score Price $23.95

FEATURES

Title
  • 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.

  • 3 Bureau Credit Report You can get a credit report from the big three credit agencies.

  • Equifax Report The credit company provides access to your Equifax credit report.

  • Experian Report The credit company provides access to your Experian credit report.

  • TransUnion Report The credit company provides access to your TransUnion credit report.

  • Business Credit Report You can get a business credit report from the credit report company.

  • Free Credit Report The credit report company offers access to a free credit report.

  • One-Time Report You can get a one-time credit report for a flat fee.

  • Equifax Score The credit report company provides access to your Equifax credit score.

  • Experian Score The credit report company provides access to your Experian credit score.

  • Instant Access You have instant online access to your credit scores.

  • TransUnion Score The credit report company provides access to your TransUnion credit score.

  • FICO Score The credit report company provides access to your FICO credit score.

  • VantageScore The credit report company provides access to your VantageScore.

  • Account Balances The credit report displays the balance on existing loans or credit accounts.

  • Credit Inquiries The credit report displays the names of companies that have made inquiries regarding your credit history.

  • Credit Score Factors The credit report presents a summary of positive and negative factors that impact your score.

  • Hard Inquiries The credit report includes hard inquiries on your credit history.

  • New Credit Accounts The credit report displays the creation of new credit accounts.

  • Public Records Report The credit report company includes any information about you from public records.

  • Soft Inquiries The credit report includes soft inquiries on your credit history when you request the report.

  • Dashboard Your online account has a dashboard featuring important credit-related information.

  • Debt Profile Your online account includes a summary of your total debt.

  • Online Account You can create an online account to view and monitor your credit information.

  • Total Credit Your online account provides a summary of your total credit limit.

  • View Alerts You can view alerts associated with your credit score online.

  • Dispute Incorrect Items You can dispute incorrect items on your credit history online.

  • Score Estimator A tool exists that allows you to simulate how your future financial decisions might affect your credit score.

  • Email The company has an email or ticket system dedicated to support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Live Chat The company offers live chat support.

  • Blog The company maintains a blog with useful industry-related articles, tips, or other valuable content.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Video Tutorials The company provides video tutorials.

  • Mobile Alerts You can receive alerts for certain changes to your credit score.

  • Mobile Website The credit report company provides a mobile-specific website.

  • Access Account You can access your credit report account from a mobile device.

  • Android App The credit report company offers an Android-specific app.

  • Favorable Reviews The credit report company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • Get Credit Score You can get your credit score through the mobile app.

  • iPhone App The credit report company offers an iPhone-specific app.

  • Tablet The credit report company offers a tablet-based app.

PRICING

UltraSecure + Credit

$23.95/month or $239.50/year

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