How We Reviewed IdentityForce
1 claim investigated
8 hours of research
2 plans evaluated
IdentityForce provides comprehensive identity and credit monitoring to both individuals and businesses, with 24/7 monitoring of your online identity, financial dealings, and credit rating. The company will let you know quickly if someone attempts to illegally sell your information and helps you control your credit score and online information by protecting your keystrokes, PIN numbers, and credit card information. And if the worst happens and you become a victim of identity theft, IdentityForce will assign a certified protection expert to help you recover your information and good name. High-quality services like these do come at a cost, but IdentityForce’s protections, including its credit monitoring plan, tend to be on par with comparable options from other companies.
IdentityForce claims to “protect what matters most.” That includes your name, financial information, medical ID information, and credit rating. As it correctly notes, identity thieves don’t rest — and neither does IdentityForce, tracking your personal information 24/7/365 and alerting you instantly if any discrepancies or suspicious information surfaces. If the worst happens, the company says it will save you hundreds of hours with its comprehensive recovery services.
Is it true?
Yes. The company’s four-pillar strategy — monitor, alert, control, and recover — allows it to stay on top of any situation involving your identity or credit. It searches out places you’d probably never want to explore, like the darknet, to ensure that there is no trace of your life available to those who would harm you. That full-spectrum monitoring is quick to detect the illegal selling of your personal, financial, or credit information, with an early warning system sending you alerts to your smartphone, tablet, or computer. And if you do experience an identity theft, the company offers full-service, round-the-clock recovery services.
It’s worth noting that those recovery services only kick in if you’ve had a breach while your contract is in force; if you’ve had a previous problem with identity theft before signing up with IdentityForce, you’re on your own. Another point worth noting: The company monitors your credit agency ratings with the Big Three (Experian, Equifax, and TransUnion) only with its slightly more expensive UltraSecure+Credit program. But at roughly $20 per month, you get a lot for your money.
- In business since: 1978
- Protection services: Identity theft monitoring and restoration
- Standout features: Advanced fraud monitoring, darknet monitoring, $1 million identity theft insurance, fully managed restoration
Try it for free
If you’re not sure that IdentityForce is the right company for you, take advantage of its 30-day free trial. That way, you’re able to experience the service as if you’re an actual user before committing to a paid membership. Not all identity theft protection services offer a free trial, which makes IdentityForce’s trial option worthy of note.
Delete personal data online
IdentityForce provides you with a report of all your personal information that’s been made public and appears on the internet. If you find that the information is incorrect or poses a threat to the safety of your identity, IdentityForce helps you remove it, making it more difficult for identity thieves to get a hold of your information and use it to make unauthorized purchases — a service that most other identity theft protection services fail to offer.
Online protection software
In addition to monitoring your personal information and credit reports, IdentityForce provides you with anti-keylogging software to protect you against malware that might steal your personal information. Anti-phishing software is included as well, which helps you detect and avoid phishing sites — websites set up to look like a real company’s website in order to hoodwink you into entering personal information.
Alerts of unusual financial activity
IdentityForce recently introduced bank and credit card activity alerts. When you sign up, your accounts and credit cards are monitored, so if any unusual activity comes up, you’re alerted right away. This service also gives you easy, centralized access to the transaction data from all of your credit cards and bank accounts, so it should be easy to locate fraudulent charges.
Credit agency monitoring costs extra
IdentityForce offers two different identity theft protection plans, but only the more expensive of the two, the UltraSecure+Credit plan, includes three-bureau credit monitoring. If you want a credit monitoring solution, you have two choices: pay for the UltraSecure+Credit plan or shop around for a more affordable service that focuses on credit monitoring.
Mediocre educational resources
Some companies offer a wealth of educational information and tools to give you a behind-the-scenes look at what goes into building your identity online and how, for example, you can go about improving your credit rating. IdentityForce is not one of them. It does have a glossary of terms and some blog entries, along with an easy-to-understand dashboard, but if you’re looking to up your game, you might want to consider a company like myFICO or Identity Guard. These services include thoughtful resources that help demystify the complex world of identity and credit monitoring.
No help for preexisting issues
IdentityForce only provides recovery assistance if it’s the one that discovered a breach in your identity. If you’re dealing with a preexisting identity theft situation, IdentityForce won’t be able to help you regain your good credit and identity. If that’s the situation you’re dealing with, we recommend that you check out ID Watchdog or LifeLock, our only identity theft protection picks to offer retroactive protection services that will guide you through the recovery process for a theft that happened before you were a subscriber. There are fees involved for the service, but if you’ve found yourself dealing with the frustration of identity theft, you may be glad to pay.
IdentityForce vs. LifeLock
Like IdentityForce, LifeLock is one of the few companies that does both identity monitoring and three-bureau credit checks — although only the most expensive of its three plans includes those credit checks. That level is a bit pricey, at $27 per month, but it also offers a few features that IdentityForce lacks, like 401(k) and investment activity alerts. Another bonus: The company’s Senior plan helps you protect the identity of elderly parents or relatives, who are often the target of identity scams. LifeLock’s app is superior to IdentityForce’s bare-bones version, allowing you to begin the process of resolving issues directly through the app. If you do most of your business via your smartphone, LifeLock is worth a look.
IdentityForce vs. ID Watchdog
ID Watchdog comes in at a slightly higher price than IdentityForce with many of the same services, but it has one big plus that may appeal to you if you’ve already sustained an identity breach or theft: Its Platinum Plan gives you retroactive protection against preexisting theft. LifeLock is our only other identity protection pick to offer this benefit, but its pricing is much steeper. If you discover that your identity has been stolen, you can sign up with ID Watchdog after the fact and take advantage of its recovery services.
IdentityForce vs. Identity Guard
Identity Guard features a nice range of plans to suit just about everyone, and it uses state-of-the-art Watson AI capabilities to protect you against identity or credit damage. But it’s lacking some of the nice details that IdentityForce covers, such as sending you an alert if banks, auto dealers, or mortgage companies ask for your credit report. It also can’t match IdentityForce in assisting you if you sustain a theft. Sure, it has a hotline and an insurance policy that can be activated for you, but unlike IdentityForce, it won’t assume a limited power of attorney to work on your behalf on the many nuts-and-bolts tasks of identity restoration. If you’re looking for a wide variety of available plans (including plans for families), Identity Guard is worth considering; for everything else, though, we recommend IdentityForce.
Does IdentityForce offer services for businesses?
IdentityForce offers RapidResponse data breach solutions to assist businesses that have had confidential information stolen by identity thieves. Data breach situations are dangerous not only for businesses, but also for their clients. If you’ve read about any of the high-tech hacks that have impacted large Fortune 500 companies, you know how important it is to keep your business records secure. Thousands — or more — of customer records can be stolen in a single breach. IdentityForce will work with you to develop a plan that allows you to focus on what you do best: running your business.
What does IdentityForce’s $1 million theft insurance cover?
It’s important to note that IdentityForce does not cover credit card debt — but it doesn’t have to. In the U.S., the Fair Credit Billing Act and Electronic Fund Transfer Act protects you from getting slammed with more than a $50 debt for credit card liability or $500 for check or debit card liability as long as you report the theft within 60 days of when it happened. There are a few areas, however, where that insurance can come in handy: It may cover legal fees, as well as lost wages and other expenses that you might incur in unraveling the theft. This is one area where you’ll want to read the fine print to make sure you understand just what you’re getting with your subscription.
Does IdentityForce have family plans?
Although there’s not much information on its website, IdentityForce does offer family plans. At the UltraSecure level, the plan is $25 per month, and at the UltraSecure+Credit level, it comes in at $36 per month. This covers two adults and unlimited Childwatch accounts for any children under the age of 25. But unlike with Identity Guard, you can’t sign up for a family plan on the website: You’ll need to call a customer service representative at 877-694-3367.