Updated: January 16, 2014
Identity Guard is a strong choice for students looking for identity theft protection because they offer a variety of plans to suit every budget along with mobile tools to keep you up to date about your accounts no matter where you are. For around $7 per month, you get basic single-bureau credit monitoring, along with identity theft insurance and assistance. More comprehensive coverage costs extra, but most of Identity Guard's services are reasonably priced. The mobile app enables you to view your credit scores and alerts. You can also stay informed on the latest identity theft news. Certain plans come with computer protection tools, like keystroke encryption and password protection software, to help keep your information from falling into the wrong hands in the first place.
LifeLock is another excellent identity theft protection service for students because they offer quality ID protection at an affordable rate as well as 24/7 customer service. LifeLock monitors all your credit cards and personal information and notifies you of anything out of the ordinary. You do, however, have to pay extra if you want to view your credit reports or have your bank accounts monitored. LifeLock's Ultimate plan is a bit on the pricier side, but you get excellent coverage including monitoring of file-sharing networks for your personal information. If you use such sites to download photos, videos, or music, the Ultimate plan is a valuable tool to have because you might be inadvertently exposing your personal information to identity thieves. LifeLock doesn't have a mobile app available, but you can sign up for text message alerts so you know right away if any suspicious activity is taking place on your account.
ProtectMyID's strong alert system and mobile app help ensure you're never left wondering what's going on with your account. Even when nothing's wrong, ProtectMyID sends you an All Clear alert just to let you know they're still watching. With the app, you can view the details about your latest alerts and calculate your risk of ID theft so you know what precautions to take. ProtectMyID monitors all your basic personal information, including your Social Security number, name, and credit cards for any suspicious activity and, if you do become a victim of identity theft, their fraud specialists help you handle the situation as quickly as possible. Another service ProtectMyID delivers very well is they educate their customers about the latest tactics identity thieves use and how to protect yourself against them. These resources are extremely valuable to students, who may not be as familiar with the various ways identity thieves can steal your personal information.
Although Identity Force is one of the more expensive identity theft protection services out there, it's also one of the best and makes a great choice for students. They monitor your personal information and credit files for unusual activity, and provide support and $1 million in identity theft insurance. Identity Force also offers anti-keylogging and anti-phishing software, which makes it more difficult for identity thieves to obtain your personal information in the first place. Mailing list removal is another great tool for students because, chances are, you're probably getting quite a few credit offers in the mail. This information can then be used by thieves to open up new accounts in your name and ruin your credit. One thing Identity Force is missing is a mobile app, but considering all the other powerful tools they offer, this omission shouldn't be a big concern.