11 Best Credit Protection Services for Protecting Your Identity

In today’s world, protecting your finances and identity has become more critical than ever. With the rise of digital transactions and online financial activity, identity theft and financial fraud risk are constantly increasing. Fortunately, there are several credit protection services available that can help safeguard your personal information and financial accounts.

In this article, we will discuss the best credit protection services of 2023 based on their features, reliability, and effectiveness in protecting your finances and identity. Whether you’re looking for the best identity theft protection here, credit monitoring, or a combination of both, this article will provide the information you need to make an informed decision and secure your finances.

What is credit protection?

Credit protection refers to a range of financial products and services designed to protect consumers and lenders against the risks of lending and borrowing money. Credit protection can take various forms, including credit insurance, monitoring services, and freezes.

Credit insurance, for example, pays out if a borrower cannot repay a loan or credit card debt due to unforeseen circumstances such as job loss, disability, or death. On the other hand, credit monitoring services help consumers track changes in their credit reports and alert them to potential fraud or identity theft. Finally, a credit freeze allows consumers to restrict access to their credit reports, making it difficult for identity thieves to open new accounts or apply for credit in their name.

Why is credit protection important?

Credit protection is vital for several reasons. Here are a few key reasons:

1. Maintaining good credit: Credit protection helps individuals maintain a good credit history by alerting them to potential problems such as missed payments, errors on their credit reports, or fraudulent activity. By staying on top of these issues, individuals can take action to prevent them from damaging their credit scores.
2. Avoiding identity theft: Credit protection services can help individuals detect and prevent identity theft. This type of fraud can be devastating, causing significant financial and emotional harm. Credit protection services can help individuals monitor their credit reports for suspicious activity and take steps to prevent unauthorized access to their personal information.
3. Managing debt: Credit protection services can also help individuals manage their debt. For example, credit counseling services can help individuals develop a plan to pay off their debts and improve their credit scores over time.
4. Accessing credit: Credit protection is important because it can help individuals access credit when needed. A good credit score is often required to get credit cards and qualify for loans and other financial products. By protecting their credit, individuals can increase their chances of being approved for these products and getting favorable terms and interest rates.

Credit protection is an essential aspect of financial well-being. It can help individuals avoid various problems related to debt, credit, and identity theft.

Here are the best credit protection services of 2023?

Aura

Aura is a digital security product that offers a comprehensive, affordable, and easy-to-use digital security package to protect customers in three key areas: child identity theft protection, credit and fraud, and device and network security. It was founded by Hari Ravichandran, who experienced identity fraud and theft in 2014.

Aura offers identity theft protection that monitors multiple areas to secure our sensitive information and includes insurance coverage for stolen funds of up to $1 million. It also provides credit and fraud protection, which covers a wide area from credit accounts with the three bureaus to bank and investment accounts. Also device and network identity theft protection plans, which are proactive and include digital id theft protection services and tools to lock down digital data and prevent identity theft through hacking, malware, and trackers.

Aura’s services include antivirus, VPN, safe browsing, password manager, anti-track and ad blocker, and email alias. Aura offers parental control features for family plan subscribers, courtesy of Circle, a parental control app now under the Aura umbrella, which includes device management, content filtering and blocking, and screen time limits.

Why do we like it?

• Online and device security: Aura provides antivirus and VPN protection and a safe browsing tool to protect users’ devices from viruses and malware.
• Identity theft protection: Aura’s identity theft protection service includes monitoring tools such as Social Security Number protection, credit monitoring, and home title and address monitoring to prevent identity theft and fraud.
• Financial fraud protection: Aura allows users to monitor their bank and investment accounts, lock their credit accounts, and receive monthly VantageScore credit score reports to protect against financial fraud.
• Flexible plans: Aura offers flexible programs for individuals, couples, and families, with options for up to 10, 20, or 50 devices, depending on the plan. Each plan also has at least $1 million of identity theft insurance per user.
• Upfront pricing: Aura’s pricing is transparent and upfront, with no hidden fees or charges. Users can pay monthly or annually, with a 60-day money-back guarantee.
• Cross-platform support: Aura is available across multiple platforms, including PC, Mac, iOS, and Android. This allows users to protect their digital security on all devices, regardless of the platform.
• Easy-to-use interface: Aura’s interface is intuitive and easy to use, making it accessible to users of all skill levels.
• Free trial: Aura offers a 14-day trial for new customers to try out its features before committing to a subscription.

Price:

• Family: $37 per month
• Couple: $22 per month
• Individual: $12 per month

Pros:

• Provides credit monitoring and identity theft protection
• Family plan includes parental controls on mobile devices
• Affordable pricing for multiple devices
• Data encrypted with AES-256.
• Every plan includes an antivirus, VPN, and password manager.
• Customer service is available 24/7
• Offers a 30-day money-back guarantee
• Combines identity theft protection and cybersecurity tools

Cons:

• No live online support
• Operating systems have different security features.
• This company’s basic plan is pricier than its competitors.

Best for:

Users are looking for affordable, identity theft protection services and online security tools.

User Review:

I was looking for an affordable identity theft protection solution to protect all my devices, and I found Aura. I’m really happy with the service so far. The account monitoring is comprehensive, and I like the online security tools they provide.

Identity Guard

It is an identity theft protection service that uses artificial intelligence to monitor for signs of identity theft. The service casts a wide net and monitors billions of data points, including the dark web and publicly available records and credit files, to check for severe possible data breach breaches.

Depending on the plan, Identity Guard offers a range of individual and family plans, from $7.50 to $25 per month. Features of the service include credit monitoring, which keeps an eye on credit-related areas, such as when someone initiates a credit inquiry or opens a new credit line using personal information. It also monitors finances, from 401(k) and investment accounts to high-risk debit and credit card transactions.

The service offers identity monitoring, which includes monitoring the most common sites that reveal identity theft, like the dark web. It also provides proactive protection against phishing attacks. It features dark web scans, criminal and sex offense monitoring, USPS address change monitoring, home title monitoring, risk management reports, safe browsing tools, anti-phishing mobile apps, and social media monitoring and insight reports.

Identity Guard regularly communicates with users via SMS, app alerts, and email, including alerts for potential ID theft and reminders on how users can better shield their data. The service also offers identity theft insurance coverage that would reimburse up to $1 million in stolen funds and other related expenditures in case of identity theft.

Why do we like it?

• Credit monitoring: Identity Guard monitors credit-related areas such as credit inquiries and new credit lines using personal information and alerts users to potential fraudulent activity.
• Financial tracking: Identity Guard monitors assets such as 401(k)s, investment accounts, debit and credit cards, and bank accounts and alerts users to new versions or transactions that could indicate identity theft.
• Identity monitoring: Identity Guard scans the dark web and government records for personal information and alerts users if their credentials are found.
• USPS address change monitoring: Identity Guard protects against mail fraud by verifying the accuracy of users’ mailing addresses and alerting them if someone attempts to change their address.
• Safe browsing tools: Identity Guard offers a browser extension and mobile app that help protect privacy online, blocking phishing attacks, ads, trackers, and mining.
• Anti-phishing mobile app: Identity Guard offers a mobile app that detects and blocks phishing websites on Chrome, Dolphin, and Samsung Internet.
• Social Insight Report: Identity Guard analyzes users’ Facebook accounts using artificial intelligence from IBM Watson to assess their “online image” and suggest improvements.
• Identity Theft Insurance: Identity Guard offers identity theft insurance coverage that would reimburse up to $1 million in stolen funds and other related expenditures in case of identity theft.

Price:

• Value: $5.39 per month
• Total: $11.99 per month
• Ultra: $17.99 per month

Pros:

• Use Artificial intelligence (AI) to identify identity threats.
• Providing ID recovery assistance in the US
• Identify fraud risk using Risk Management Score.
• Facebook timeline analysis
• With a mid-tier plan, you get 3-bureau credit monitoring.

Cons:

• Reports only available with premium plans
• Does not have credit bureau fraud alerts
• No money-back guarantee
• No credit monitoring for the entry-level plan

Best for:

Those who prioritize fast alerts and proactive threat detection, as well as seniors, children, other data breaches, breach victims, and past identity theft victims.

User Review:

I’ve been with Identity Guard for a few years and love it. I work in the tech industry, so I constantly worry about my identity being stolen. Identity Guard gives me peace of mind. The alerts come quickly and are always accurate, so I know I’m always protected.

PC Matic

PC Matic is an antivirus software that optimizes system performance and provides malware protection. Its unique malware detection and prevention approach is through a whitelist, a list of approved programs that are allowed to run. In contrast, any other program is considered suspicious and temporarily blocked. This proactive approach focuses on prevention rather than reaction, which traditional antivirus software employs with a blocklist.

The Scan Scheduler allows users to set their preferred interval and type of scan, and the software will perform custom scans automatically. Suspicious files are placed in quarantine, allowing users to check them before being deleted. PC Matic also offers Dark Web Monitoring, which continually scans for unauthorized use of sensitive information and identity theft alerts. Its SuperShield feature provides real-time protection against new threats and automatically updates drivers and security patches.

PC Matic lacks additional features such as VPN, parental control, and password manager but provides efficient optimization tools. While it may result in more false positives than its competitors, it has excellent malware detection rates. Its whitelist approach makes it unique, and its proactive approach to prevention makes it stand out from the crowd.

Why do we like it?

• Whitelist approach: PC Matic uses a whitelist approach to detect and prevent malware. This means that only trusted applications known to be safe are allowed to run on your computer. Any unknown or suspicious applications are blocked from running, reducing the risk of malware infections.
• Automated maintenance: PC Matic automatically performs routine maintenance tasks to keep your computer running smoothly. This includes disk defragmentation, registry cleaning, and temporary file removal.
• SuperShield protection: PC Matic’s SuperShield protection uses advanced technology to detect and prevent malware in real time. It constantly monitors your computer for suspicious activity and blocks any potential threats.
• Patch management: PC Matic ensures your computer is always up-to-date with the latest software patches and security updates. This helps to prevent vulnerabilities that hackers could exploit.
• Performance optimization: PC Matic optimizes your computer’s performance by adjusting system settings and removing unnecessary files and applications. It can help to speed up your computer and improve overall performance.
• User-friendly interface: PC Matic has a user-friendly interface that is easy to navigate. It provides detailed reports on your computer’s performance and security and allows you to customize settings to meet your needs.
• Multi-device support: PC Matic can be installed on multiple devices, including PCs, Macs, and Android devices, providing comprehensive protection across all your devices.

Price:

• Security for 5 devices: $50 Annual

Pros:

• Impressive white-list-based anti-malware protection
• Affordable, compared to similar products
• Offers a lifetime subscription
• The results page is very informative.
• PC optimization tools are excellent.
• It comes with a 30-day money-back guarantee.

Cons:

• An impressive whitelist-based anti-malware solution
• Practical optimization tools that can improve system performance.
• Low impact on system load.
• Affordable pricing for up to 5 PCs.
• Supports Windows, Mac OS, and Android
• Whitelisting approach to malware detection.
• Money-back guarantee of 30 days

Best for:

PC Matic is a good solution for users looking for affordable antivirus software with a low impact on system load.

User Review:

I like PC Matic. It is one of the excellent antivirus programs out there. It is a good program that has helped my computer run faster. I have used other antivirus programs, but I like PC Matic the best because it is very easy to use and doesn’t slow down my computer.

Lifelock

LifeLock is an identity theft protection software that uses digital security tools to enhance its usefulness. Its identity theft happens monitoring includes monitoring USPS address changes, crime registries, court records, sex offender registries, dark web content, and data breach notifications. LifeLock also proactively protects identities through its Privacy Monitor feature, which searches for your information on data broker sites and social media and alerts you when it finds it.

LifeLock’s subscription packages offer monitoring and alerts on identity, credit, and financial activity, with the extent of monitoring varying depending on the plan. The highest-tier plan provides comprehensive three-bureau credit monitoring with credit reports, monthly credit scores, and updates from all three bureaus. LifeLock also monitors financial accounts, such as credit, checking, and savings accounts, and alerts customers when their money moves into those accounts and when someone requests information changes that might indicate an account takeover is taking place.

Regarding reimbursement for identity theft, LifeLock’s Ultimate Plus subscription covers up to $1 million in losses, $1 million in personal expense compensation, and $1 million for legal expenses. Lower-tier plans have lower limits for stolen fund reimbursement and private expense reimbursement. It also offers Norton 360 with LifeLock bundles, including antivirus software, a VPN, and a password manager.

Why do we like it?

• Dark Web Monitoring: LifeLock monitors the dark web for any personal information that may have been stolen or compromised. If any information is found, LifeLock alerts you and guides what steps to take next to protect yourself.
• Multi-device protection: LifeLock protects multiple devices, including computers, tablets, and smartphones, under one account. This ensures that your personal information is secure across all your devices.
• Credit monitoring: LifeLock monitors your credit report and score, alerting you of any changes or suspicious activities. They also provide you with monthly updates on your credit score and offer assistance in resolving any issues related to credit report errors.
• Lost Wallet Protection: LifeLock provides lost wallet protection, which includes canceling and replacing lost or stolen credit cards, driver’s licenses, and other essential documents.
• Identity Restoration Services: In the unfortunate event of identity theft, LifeLock provides comprehensive identity restoration services to help you recover your identity and minimize the damage caused by the theft.
• Stolen funds reimbursement: If you become a victim of identity theft while using LifeLock, the service offers up to $1 million in stolen funds reimbursement to help cover expenses related to recovering your stolen identity.
• Mobile app: LifeLock has a mobile app that allows you to manage your account and monitor your identity protection from your smartphone. You can receive alerts, view alerts history, and even contact member services through the app.
• 24/7 Live Member Support: LifeLock provides 24/7 live member support to help you with any questions or concerns about your account or their services.

Price:

• Ultimate Plus: $23.99 per month
• Advantage: $17.99 per month
• Standard: $9.99 per month

Pros:

• Advanced monitoring and alerts for various types of identity theft.
• Reimbursement for stolen funds.
• Options for computer security with Norton 360.
• Dark web monitoring.
• Annual credit reports and credit scores.
• Mobile app for easy access and tracking.

Cons:

• The Select plan has a limited range of coverage
• Provides limited family plans
• Pricing for premium plans is relatively high

Best for:

Those who want extensive cybersecurity software bundled with their identity theft protection and additional monitoring services beyond essential monitoring.

User Review:

I have used Norton 360 for many years and have been very happy with it. Recently, I decided to add LifeLock to my protection plan. I am glad that I did. The added features are very beneficial. One that I like is social media monitoring. It assit me to be more aware of what is being said about me online and allows me to respond quickly if needed.

Zander

Zander Insurance is an identity theft protection service that monitors personal information across different channels, including the dark web. Zander Insurance does not monitor credit scores or reports, unlike other identity monitoring services. Zander Insurance believes that adding credit monitoring would raise the cost of its services. People can get free credit reports and scores from the three credit bureaus once a year.

Zander Insurance monitors credentials on the internet, including financial fraud, medical identity theft, tax fraud, criminal ID theft, Social Security fraud, child ID theft, benefits, employment fraud, and title fraud. Zander Insurance plans include up to $1 million in stolen funds, expense reimbursement, and professional identity recovery services with no monetary or time limits.

Zander Insurance requires personal information from its customers, such as driver’s license number, Social Security Number, phone number, medical insurance number, debit and credit card numbers, and bank account numbers, to monitor identities properly. Zander Insurance’s privacy policy allows the company to collect and share information with third parties, including government agencies, to comply with legal requirements or protect the company’s properties and customers.

Why do we like it?

• Identity monitoring: Zander Insurance monitors your personal information across the internet, including the dark web, to alert you if your sensitive credentials are compromised.
• Dark web monitoring: The company monitors the dark web, an area of the internet only accessible through special software, to detect any signs of customer information being sold or shared on these anonymous networks.
• Alert notifications: Zander Insurance sends email and app notifications to alert customers of suspicious activity or potential identity theft threats.
• Professional identity recovery services: If a customer’s identity is stolen, Zander Insurance offers professional identity recovery services with no monetary or time limits to help them recover.
• Reimbursement for stolen funds and expenses: Zander Insurance will reimburse up to $1 million and costs, including legal fees and lost wages. For family plans, the limit is two million dollars, one million for each adult individual covered.
• Personal information monitoring report: Customers can access their Personal Information Monitoring Report, which shows if their personal information has been found on the internet or the dark web.
• Identity theft insurance: Zander Insurance offers optional insurance that can cover customers’ expenses associated with restoring their identities, such as lost wages and legal fees.
• No credit monitoring: Unlike other identity monitoring services, Zander Insurance does not include credit monitoring in its services to reduce costs. Customers can monitor their credit reports from the 3 credit bureaus for free once a year.
• Multiple identification monitoring: Zander Insurance can monitor various identifications of the same type, such as dual citizenship passports, for each customer.

Price:

• Individual plan: $6.75 per month or $75 per year
• Family plan costs: $120/month or $145 per year

Pros:

• Identity theft protection services at low prices
• Experts are available 24 hours a day
• High-wage replacement coverage
• Advanced detection services for different types of identity theft
• Personalized restoration services for up to three years
• Identity theft insurance up to $1 million
• Discount bundling with other insurance products.
• Recommends free annual credit reports.

Cons:

• Provides no credit monitoring service
• No mobile app for easy access to protection features.
• Monitoring of social media is not available
• Incomplete information on the website

Best for:

Individuals who are identity thieves want to bundle their identity theft protection with insurance from a trusted and established company.

User Review:

I have had Zander Insurance for over five years. I bundle my home, car, and health insurance with them to get the multi-policy discount. I have never had an issue with them. The customer service is excellent if I ever need to call. They have always been able to help me with whatever I need.

IDShield

IDShield is an identity theft protection service that offers personal information monitoring, credit monitoring, and restoration services in case of identity theft. It allows users to monitor one or all three major credit-reporting agencies, including a monthly credit score from TransUnion. Other features include a password manager, antivirus software, and VPN service provided by Trend Micro.

The service scans both the open and dark web for instances of personal information popping up where it shouldn’t be. IDShield can work with all three credit bureaus to restore credit in case of identity theft. The service also has lost or stolen wallet protection that can help cancel old credit cards and get new ones and tell users how to get a new driver’s license and other documents.

In addition, IDShield provides one-on-one privacy consultations via telephone or email, covering such topics as removing personal data from online data brokers, selecting appropriate privacy settings for smart TVs, managing voice-assistant privacy settings, selecting web-browser options, adjusting your social media accounts and media privacy settings, and monitoring online cyberbullying.

Why do we like it?

• Identity theft protection: IDShield provides comprehensive protection against identity theft by scanning the web for any sensitive leaked data, managing your online reputation, and reviewing your online privacy.
• Three-bureau credit monitoring: IDShield monitors your credit with up to three major credit bureaus to detect any unusual activity.
• Insurance support: IDShield offers insurance coverage for damages and issues you may face due to identity theft.
• Licensed private investigator: IDShield provides access to licensed private investigators in case of identity theft occurrence to ensure the restoration of your lost sensitive data.
• Antivirus, VPN, and password manager: IDShield has collaborated with Trend Micro, a reliable and secure solution, to provide users with free antivirus, VPN, and password manager tools.
• High-risk application and credit inquiry monitoring: IDShield monitors your credit for high-risk applications and inquiries to detect fraudulent activity.
• Financial account monitoring: IDShield monitors your financial accounts for unusual activity to prevent unauthorized access.
• Sex offender search and monitoring: IDShield provides information about registered sex offenders in your area, like their name, location, photo ID, and the offense that they have committed.
• Child identity protection: IDShield has specific tools for minor child monitoring. You can add your children to your profile, and IDShield will continuously scan for any data leaks about them.

Price:

• Individual Plan: $14.95 per month
• Family Plan: $29.95 per month

Pros:

• Reimburses up to $2 million for identity theft damages
• 24/7 investigative support
• A+ rated by the BBB
• 24/7 access to licensed private investigators for identity fraud cases
• Strong commitment to restoring compromised identities
• Educate yourself about ID theft protection
• Quarterly credit reporting from one or three bureaus

Cons:

• Only available in the US
• No mobile app for easy access to services

Best for:

Individuals or families who want protection from identity theft and related financial damages.

User Review:

I have been using IDShield for about a year, and I love it! The service is excellent, very helpful in resolving identity theft issues. The company has a lot of coverage and the people are friendly and helpful. I like the service.

IdentityIQ

IdentityIQ is a reputable identity protection service provider operating in the United States since 2009. The company offers a range of plans that cater to varying needs and budgets, ensuring that customers can access adequate identity protection services regardless of their financial standing. With IdentityIQ, customers can select from four plans that offer varying levels of protection, from basic identity monitoring to comprehensive credit and identity protection.

One of the standout features of IdentityIQ is its inclusion of family protection in all of its plans, a crucial aspect of identity theft protection companies that many other providers overlook. This feature ensures that not only are individuals protected, but their loved ones are as well. Additionally, IdentityIQ provides daily monitoring of the dark web, internet monitoring, and up to $1 million in stolen funds reimbursement, offering customers peace of mind knowing that their identities are being closely monitored for potentially fraudulent activity.

While IdentityIQ’s plans include many valuable features, customers can also opt to bundle in antivirus and VPN protection for additional savings. However, some customers may find the upper-tier plans and add-ons expensive, with the more comprehensive plans required for optimal protection. Overall, IdentityIQ is a solid choice for complete identity protection.

Why do we like it?

• Credit Monitoring: IdentityIQ monitors your credit reports and alerts you to any changes or suspicious activity that could indicate identity theft.
• Identity Theft Protection: IdentityIQ provides comprehensive identity theft protection, including alerts when your personal information is found on the dark web, assistance restoring your identity if stolen, and insurance coverage for certain costs associated with identity theft.
• Credit Report and Score: IdentityIQ provides regular access to your credit report and score, so you can stay informed about your creditworthiness and take action to improve it if necessary.
• Dark Web Monitoring: IdentityIQ scans the dark web for any personal information exchanging hands and alerts you if your data is found.
• Criminal Activity Monitoring: IdentityIQ monitors public records for potential criminal identity theft.
• Identity Restoration: If your identity is ever stolen, IdentityIQ provides expert assistance to help you restore it, including notifying creditors and government agencies, filing a police report, and more.
• Lost Wallet Protection: If you ever lose your wallet, IdentityIQ can help you quickly cancel and replace your credit and debit cards and even assist with getting a new driver’s license.
• Mobile App: IdentityIQ offers a mobile app that allows you to access your account, receive alerts, and stay updated on your credit and identity monitoring, all from your smartphone or tablet.
• Additional Services: IdentityIQ offers other services, such as antivirus and VPN services, for another $2 per month on each plan. However, IdentityIQ does not provide social media monitoring or a mobile app.
• Free Trial: IdentityIQ provides a $1 seven-day trial, which allows you to explore the service and its features before committing to a full-price subscription.

Price:

• Secure Max: $ 29 99 month
• Secure Pro: $ 19 99 month
• Secure Plus: $ 9 99 month

Pros:

• Wide variety of plan options, including a budget-friendly option
• Credit score simulator and score change alerts
• Essential identity theft monitoring is included in all plans
• Dark web monitoring and lost wallet assistance are included in all plans
• Up to $1 million in stolen funds coverage
• Includes anti-keylogging and anti-phishing software

Cons:

• Limited options for family or group plans
• No option for a free trial before signing up for a plan

Best for:

Consumers who prioritize credit monitoring and want a wide range of plan options to fit their budget.

User Review:

IdentityIQ has many features for its different price tiers. It’s great that they have a plan for people on a tighter budget, and the more expensive plans have more features. I also like that they have a credit score simulator.

Bitdefender

Bitdefender is a comprehensive and efficient antivirus software that offers complete protection against all types of malware, viruses, spyware, and other online threats. With advanced threat detection and prevention technologies, it provides robust security features for personal and business use. Bitdefender is user-friendly and offers quick and easy installation, making it a popular choice among users.

The software offers several features, including real-time protection, web browsing protection, anti-phishing, and anti-spam filters, to keep users safe from online threats. It also provides a firewall to prevent unauthorized access to your computer and a parental control feature to protect children from inappropriate content.

Bitdefender offers various subscription plans to suit your needs, including Bitdefender Total Security, Bitdefender Internet Security, and Bitdefender Antivirus Plus. The software is compatible with Windows, Mac, Android, and iOS operating systems, making it a versatile solution for all devices. Overall, Bitdefender is a reliable and effective antivirus software that protects against all online threats.

Why do we like it?

• Antivirus and anti-malware protection: Bitdefender provides comprehensive protection against malware, spyware, and other online threats.
• Advanced threat defense: Bitdefender uses advanced machine learning algorithms to detect and block new and emerging threats.
• Multi-layer ransomware protection: Bitdefender protects your system from ransomware attacks with multiple layers of defense, including behavioral monitoring, anomaly detection, and encryption.
• Safe browsing: Bitdefender blocks access to malicious websites and warns you if a website is potentially dangerous before you visit it.
• Firewall: Bitdefender’s firewall monitors your internet connection and blocks unauthorized access attempts to your computer.
• Parental controls: Bitdefender offers parental controls that allow you to block inappropriate content, limit screen time, and monitor your children’s online activity.
• Password manager: Bitdefender’s password manager helps you create strong and unique passwords for all your online accounts and keeps them secure.
• VPN: Bitdefender’s VPN service encrypts your internet traffic and protects your privacy when browsing the web.

Price:

• 1-Year Plan: $24.99
• 2-Years Plan: $62.99
• 3-Years Plan: $95.99

Pros:

• Daily credit report monitoring
• Dark web monitoring
• Offers protection against a wide range of fraud categories
• SSN monitoring alerts for every use of the SSN
• Customer support is available seven days a week
• Service backed by a $1 million insurance policy
• Payment plans available for those on a budget

Cons:

• No mobile apps
• Limited credit report access
• Limited phone support

Best for:

Individuals and families want comprehensive identity theft protection beyond just monitoring credit scores.

User Review:

Bitdefender is the best antivirus software I have ever used! It provides comprehensive protection against all types of malware and viruses, and the advanced threat detection technologies are incredibly effective. The software is also very user-friendly, with a quick and easy installation process. I would definitely recommend Bitdefender to all users!

IdentityForce

IdentityForce is an identity theft protection service that offers comprehensive monitoring and control to ensure the safety of its users’ personal information. With a focus on providing a wide range of features to protect against identity theft, the service offers plans for individuals and families and custom solutions for businesses.

The UltraSecure and UltraSecure + Credit plans are the two main options available to individuals, including credit score and report monitoring. The service scans the dark web for user data, monitors for changes in address or court records, and alerts users of any attempts to use their social security number for payday loans or other fraudulent activities. IdentityForce also offers mobile attack control, which scans users’ mobile devices for threats and protects against insecure websites and fake networks.

In addition to monitoring, IdentityForce offers control features such as id theft protection services companies, such as medical ID fraud protection and anti-keylogging software for PC protection. The service even includes a credit score tracker and simulator to help users understand how specific actions may affect their credit score. For families, IdentityForce offers ChildWatch, a monitoring service designed specifically for children’s identities. IdentityForce is a reliable and affordable option for anyone seeking an identity theft protection service.

Why do we like it?

• Credit Monitoring: IdentityForce monitors your credit reports and alerts you to any changes, such as opening new accounts, credit inquiries, or changes to your credit score.
• Dark Web Monitoring: IdentityForce monitors the dark web to ensure that your personal information, such as your Social Security number, credit card numbers, and bank account information, is not being traded or sold by cybercriminals.
• Identity Restoration: In the event of identity theft, IdentityForce provides a team of experts who will work with you to restore your identity and resolve any issues related to fraudulent activity on your accounts.
• Mobile App: IdentityForce’s app allows you to access your account and receive real-time alerts, monitor your credit score, and lock or unlock your credit report.
• Child Identity Protection: IdentityForce offers child identity protection, which monitors your child’s personal information to detect any signs of identity theft and alert you if any suspicious activity is detected.
• Two-Factor Authentication: IdentityForce offers two-factor authentication, an additional layer of security that requires you to provide a unique code or token and your password to access your account.
• Lost Wallet Assistance: If you lose your wallet or it is stolen, IdentityForce will assist you in canceling and replacing your credit cards and other essential documents.
• $1 Million Insurance: IdentityForce offers up to $1 million to cover expenses related to identity theft, such as lost wages and legal fees.

Price:

• UltraSecure: $17.99 per month
• UltraSecure+Credit: $23.99 per month

Pros:

• VPN and anti-phishing technology for online privacy and safety 
• Family plans with child ID protection
• Notification of registered sex offenders in the area 
• Identity theft insurance policies up to $1 million 
• Monitor social media and junk mail with the base plan
• All three bureaus’ monitoring, reports, and scores in one package
• Specific focus on child ID protection 
• 24/7 phone support 

Cons:

• Its price is much higher than its competitors
• No monitoring is included

Best for:

Families who prioritize child ID protection and online privacy.

User Review:

This is my first time feeling confident in my family’s online protection. The extra layer of privacy that the VPN provides is reassuring, and I love that IdentityForce notifies me anytime there is a registered sex offender in my area.

Myfico

myFICO is a leading online platform that provides credit monitoring and scoring services to individuals who want to manage their finances and make informed decisions. With myFICO, you can access your FICO credit score and receive alerts when your score changes. You can also monitor your credit reports from all three major credit bureaus, including Equifax, Experian, and TransUnion, and receive notifications of any changes or suspicious activity.

myFICO also offers educational resources to help you understand how your credit score is calculated and what actions you can take to improve it. You can access personalized recommendations based on your credit profile, such as paying down credit card balances or disputing errors on your credit report. The platform also provides access to FICO Score versions used in mortgage, auto, and credit card lending, so you can see how lenders view your creditworthiness.

Additionally, myFICO offers comprehensive identity theft monitoring and protection services to help safeguard your personal and financial information. This includes alerts if your social security number, name, or address is used to apply for credit and dark web surveillance to monitor for any potential misuse of your information.

Why do we like it?

• Credit Scores: myFICO provides access to your FICO scores, which lenders and other financial institutions use to determine your creditworthiness.
• Identity Theft Protection: myFICO offers identity theft protection services, including monitoring the dark web for compromised personal information and alerts for suspicious activity.
• Credit Report Monitoring: myFICO monitors your credit report and sends you alerts if any changes or updates exist, such as new accounts or inquiries.
• Credit Simulator: myFICO offers a tool that allows you to see how different financial decisions may impact your credit score.
• Score Analysis: myFICO provides analysis and explanations of your credit scores and credit reports, helping you understand the factors influencing them.
• Mobile App: myFICO has a mobile app that allows you to access your credit reports, scores, and other features on the go.
• Personalized Loan Offers: myFICO provides personalized loan offers based on your credit profile, making it easier to find the best loan options for your needs.
• Credit Education: myFICO offers educational resources and tools to help you understand credit and how to manage it responsibly.

Price:

• BASIC: $19.95 per month
• ADVANCED: $29.95 per month
• PREMIER: $39.95 per month

Pros:

• Provides credit monitoring alerts for changes to credit reports
• Access to FICO scores from all three credit bureaus
• Offers personalized recommendations and resources to improve credit scores
• Educational resources to help users better understand credit scores
• It can be helpful for those making major financial decisions

Cons:

• No free trial
• Plans are expensive
• Online support may not be as responsive as phone support
• Limited options for dispute resolution.

Best for:

Individuals who want comprehensive credit monitoring and tools to see credit card statements help them understand and improve their credit scores.

User Review:

I have used myFICO for a few years, and it is an excellent service. I like that I can access my credit scores from all three credit bureaus and receive alerts when there are changes to my credit report. The Credit Simulator is also an excellent tool, especially for those looking to make major financial decisions. I highly recommend it.

ID Watchdog

ID Watchdog is an identity theft protection service that provides comprehensive monitoring and alerts for potential threats to your personal information. With various features designed to protect your identity, finances, and credit, ID Watchdog, an id theft protection service company, helps keep you safe from theft and fraud.

The service monitors billions of data points, including the dark web, financial and social media accounts, legal information, and more, and alerts you immediately if any of your information is found in these areas. It also tracks your credit score, provides monthly credit reports from all three bureaus, and allows you to lock your credit reports if you suspect fraud.

In addition to identity protection, ID Watchdog also offers financial accounts monitoring, assistance for lost wallets and fraud alerts, and help with freezing your credit reports. If your identity is ever stolen, ID Watchdog provides resolution specialists, theft insurance for up to $1 million, and reimbursement for stolen funds from your 401(K) or HSA. With its comprehensive identity protection services and monitoring, ID Watchdog is a reliable and trustworthy service for anyone concerned about identity theft and fraud.

Why do we like it?

• Credit Monitoring: ID Watchdog provides credit monitoring services that monitor your credit report and alert you to any suspicious activity, such as new accounts or credit inquiries.
• Identity Theft Insurance: ID Watchdog provides identity theft insurance with up to $1 million in coverage to help you recover from the financial losses incurred due to identity theft.
• Social Media Monitoring: ID Watchdog monitors social media sites for potentially damaging information, such as posts that could harm your reputation or reveal personal information.
• Fraud Alert Assistance: If you believe your identity has been compromised, ID Watchdog provides fraud alert assistance to help you protect your credit and prevent further fraud.
• Family Protection: ID Watchdog offers family protection plans, allowing you to add up to five family members to your account and monitor their credit and personal information for potential identity theft threats.
• Identity Restoration: If you become a victim of identity theft, ID Watchdog provides services to help you recover your identity and restore your credit score.
• Lost Wallet Protection: If you lose your wallet, ID Watchdog can help you cancel and replace your credit and debit cards, as well as your driver’s license and other essential documents.
• Credit Score Tracking: ID Watchdog provides credit score tracking, allowing you to monitor your credit score and receive alerts when your score changes.

Price:

• ID Watchdog Select: $14. 95 per month
• ID Watchdog Premium: $21.95 per month

Pros:

• Impressive restoration service for identity theft
• Two-factor authentication with high security
• An excellent credit monitoring service
• Dark web monitoring to detect breaches and alert users immediately
• Full-service identity theft resolution with a dedicated specialist
• Rare offering of ID recovery assistance for non-subscribers

Cons:

• Higher pricing compared to some competitors
• Limited identity recovery assistance for non-subscribers
• No guarantee against identity theft

Best for:

Individuals who want comprehensive identity theft protection and resolution services and advanced prevention measures.

User Review:

I have been delighted with the service that ID Watchdog provides. I have had them for about four years and have not had any issues. I like that they monitor the dark web and that if my identity is stolen, they will help me regain it. Highly recommend this service!

How to select the best Identity Theft Protection Service?

Most companies that offer identity theft protection plans in this niche offer the same general services, which makes it easy to become overwhelmed with the variety of options. There are always features that make a difference among the ID theft protection plans, so look over them closely to determine which benefits will benefit you most.

Choosing the right name ID theft protection service provider can be challenging. Here are some tips to guide you:

• Choose a plan with identity theft insurance. When you’re the victim of identity theft, identity theft insurance can provide you with a final line of protection against financial losses. The companies we selected for our ranking only offer ID theft insurance to ensure it is comprehensive. When choosing an identity theft insurance plan, ensure it gives you enough coverage to keep you comfortable. The gold standard for insurance protection is $1 million per plan.
• Check for 3-bureau credit monitoring. Check to see whether all three major credit bureaus are being monitored, and bear in mind that some basic plans do not cover all three. You should watch all three of your credit reports since fraud may not appear on them immediately.
• Decide whether you need a family plan or an individual plan. Some providers include features to protect children’s identities in their family plans, while others do not. Your identity theft protection plan may include your children if you have any.
• Compare prices and look for discounts. Make sure you can afford the monthly cost of any plan you’re considering. Consider auto-paying or paying annually for deals. With many providers, you can get a discount if you pay for your first year upfront.
• Consider companies with free trials. You can try a free trial with a provider if you can’t decide. It will allow you to check out the plan’s features before committing to the monthly fee. 

FAQ’s

What are some standard features of credit protection services?

Common features of credit and identity theft protection companies and services include credit monitoring, identity theft protection and recovery bureau credit monitoring, fraud alerts, dark web monitoring, two-factor authentication, and identity theft insurance.

Should I get identity theft protection?

Identity theft protection should be available regardless of age, income, credit history, or other factors. Additionally, we have personal information that is fairly easy to steal, whether through a stolen wallet or phishing scam. Even though identity theft protection can’t prevent identity theft entirely, it can detect something fishy. It can even offer insurance if your identity is stolen.

If you think your identity has been stolen, how can you check?

There are several signs that your identity or credit file has been stolen, according to the Federal Trade Commission:

• Your bank account has been withdrawn without explanation
• Bills or debts that are unfamiliar
• Missing mail mail
• Inaccurate medical records
• Your name already appears on a tax return filed by the IRS
• Unfamiliar changes to your credit score.

What is an excellent way to monitor my credit report for identity theft?

Several ways exist for monitoring your credit for identity theft. To begin, join a credit monitoring service like Experian or LifeLock, or you can access your free credit report at annualcreditreport.com. Ensure that all three of your credit reports, Experian, TransUnion, and Equifax, contain any unidentified accounts, bankruptcies, and judgments.

How much does credit protection cost?

The cost of credit protection services can vary depending on the provider and the features included. Some services may offer a free basic plan. In contrast, others may charge a monthly or annual fee for more comprehensive coverage.

How can you protect yourself from identity theft and financial fraud?

You can protect yourself from financial fraud and identity theft by being vigilant about your personal and financial information, using strong passwords and two-factor authentication, monitoring your credit report and bank accounts regularly, and being cautious when sharing personal information online or over the phone.

Conclusion

In conclusion, credit protection services have become increasingly important in our digital age. With the rise of financial fraud and identity theft, it’s crucial to take proactive measures to protect your finances and personal information. Credit protection services offer comprehensive protection, including round-the-clock monitoring, alerts, and credit freezes. These services are essential in preventing unauthorized access to your credit reports and ensuring your financial information remains secure.

Moreover, credit protection services provide financial security and peace of mind. They help you save time and money that could be lost in case of fraudulent activities. The benefits of these services are significant, and it’s crucial to take advantage of them to protect your finances and identity.

As we move into an increasingly digital world, credit protection services will continue to play a vital role in safeguarding our financial well-being. It’s essential to stay informed and take proactive measures to protect yourself from financial fraud and identity theft. By utilizing credit and the best identity protection services, you can rest easy knowing that your finances and personal information are secure.

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