Best Identity-Theft Protection 2019July 11, 2019
More than 16 million Americans were victims of identity theft in 2017, losing $16.8 billion, Javelin Strategy & Research found. The crimes involved ranged from credit-card fraud to misuse of Social Security numbers to full-on impersonation.
Based on our three months of testing, which involved signing up and paying for each service, bothering their customer-support representatives and putting personal information into their credit-score simulators, we’ve concluded that the best identity-theft-protection service, for the second year in a row, is IdentityForce UltraSecure+Credit.
IdentityForce UltraSecure+Credit offers the best all-around coverage, with comprehensive monitoring of your financial activity and personal information, and quarterly updates of your credit scores and reports from all three credit bureaus. Alone among the services we reviewed, it offers two-factor authentication to protect your account. The only thing IdentityForce lacks is investment-account monitoring.
LifeLock Ultimate Plus had the best interface, provided the most comprehensive monitoring of personal accounts and lets you initiate a credit freeze straight from your account. But LifeLock isn’t very generous with credit reports or credit scores and is much more expensive than other services, although it offers an attractive bundle with Norton Security antivirus software.
The best bargain of the bunch is IDShield Individual 3 Credit Bureau Monitoring, which offers monthly credit scores and quarterly credit reports from all three bureaus for half what LifeLock charges.
— An Android horror game that was in the Google Play app store until July 27 was actually a phishing scam that tried to hijack Google accounts. ADVICE: If you played “Scary Granny ZOMBYE Mod,” change your Google password and set up your Google account with two-factor authentication.
Family plan: $36, 2 adults, unlimited kids | Credit bureaus monitored: Equifax, Experian, TransUnion | New credit reports: Quarterly | New credit scores: Quarterly | Bank, card accounts monitored: Yes | Investment account monitoring: No | Two-factor authentication: Yes | Maximum ID-theft assistance: $1 million | Telephone assistance: 24/7
IdentityForce UltraSecure+Credit provides very good identity protection and a lot of credit information for a reasonable price. Credit scores and reports from all three credit bureaus are refreshed quarterly; most types of financial accounts are monitored (except investment accounts), and the $1 million identity-restoration insurance covers travel expenses and child care as well as lost funds and lost wages. IdentityForce also includes an excellent credit-score simulator, anti-keylogging software and, best of all, two-factor authentication to protect your account.
Read our full IdentityForce review.
The best identity monitoring
LifeLock Ultimate Plus
The best identity monitoring
Family plan: No | Credit bureaus monitored: Equifax, Experian, TransUnion | New credit…