IdentityIQ 2021 Review
IdentityIQ services has established itself as an industry leader with a wide variety of high-quality services for affordable monthly prices.
Your identity is the most important thing you own. It’s how you prove you are who you say you are when applying for jobs, getting loans, and receiving government services such as Medicare and Social Security. If your identity gets stolen, it can make your life extremely difficult.
To help protect you from identity theft at a time when data breaches seem to be part of the daily news, identity theft protection companies work to help you keep your personal information safe and alert you in the event that someone might have access to this information.
From monitoring activities at the credit reporting bureaus to alerts on crimes committed in your name, stolen fund reimbursement to family protection, IdentityIQ plans feature four levels of coverage suited to all needs and budgets.
IdentityIQ Identity Theft Protection: What You Need to Know
IdentityIQ services provide a one-stop shop for identity theft protection and credit monitoring. Its highest tier of service comes with monthly reports from all three credit bureaus, monitoring of your personal information, dark web monitoring, and reimbursement in the event that you experience financial loss from identity theft.*
The IdentityIQ highest service plans also offer up to 12 credit reports a year, something most competitors do not offer.
In addition to identity theft and credit report monitoring services, IdentityIQ plans provide tools and informational articles to assist and educate its customers. This includes a credit simulator tool that allows you to estimate what your credit score may be by testing certain variables, including time span, paying off certain debts, or closing accounts.
IdentityIQ services monitor and alert for possible suspicious activity, such as a new loan application being processed. This allows you to take action in the event that the application is fraudulent.
How Does IdentityIQ Identity Theft Protection Work?
When you sign up as an IdentityIQ customer, you provide the company with certain pieces of your personal information. The company’s team of experts put this information into their suite of monitoring and reporting tools, checking a wide variety of data sources on a regular basis.
If there is possible suspicious activity, such as a newly-opened credit card or a postal service change of address, the IdentityIQ team notifies you, so you can then take quick action.
IdentityIQ services also help you restore your identity after it’s been stolen. They offer up to $1 million in stolen funds reimbursement, coverage for lawyers and experts and personal expense compensation.
With the company’s highest plans, you have access to one credit report per month from each of the three credit reporting bureaus, allowing you to see if there have been any changes to your credit scores. They also provide family protection with up to $25,000 in identity theft insurance coverage for family members under the age of 24 living in the same residence.
Where is IdentityIQ Services Available?
The IdentityIQ plans are available to customers in all 50 states.
How Much Does IdentityIQ Services Cost?
The IdentityIQ plans feature four levels of coverage to its customers: Secure, Secure Plus, Secure Pro, and Secure Max.
The Secure plan starts at $6.99 per month and monitors your one-bureau credit report on a daily basis along with dark web and internet monitoring and $1 million in identity theft insurance coverage.* There are no credit reports or scores available with this level.
The Secure Plus plan begins at $9.99 per month and offers daily one-bureau credit report monitoring and an annual credit report and scores from all three bureaus. The plan includes dark web and internet monitoring along with dark web and internet monitoring and $1 million in identity theft insurance coverage.
The Secure Pro plan starts at $19.99 per month and offers enhanced monitoring of all three credit bureaus and bi-annual credit reports and scores from each of the three credit reporting bureaus. Dark web and internet monitoring and $1 million in identity theft insurance coverage is included.
The highest tier of service, Secure Max, starts at $29.99 and provides you with monthly credit reports and scores from all three bureaus. Along with dark web and internet monitoring and $1 million in identity theft insurance coverage, the plan also offers family protection with up to $25,000 for children living in the same home.
The plan prices listed are subject to change without notice.
What Does IdentityIQ Identity Theft Protection Cover?
IdentityIQ services provide a variety of identity theft protection and credit report monitoring services to its customers. Actual services available vary based on what level of service you choose.
Some of the offerings from IdentityIQ include:
Credit Report Monitoring and Score Delivery
One of the first indications that your personal information has been stolen often is seeing suspicious activity on your credit report. By actively monitoring your credit report, you can be alerted quickly.
Some of the information IdentityIQ services monitor includes:
- Change of address
- Change of personal information
- Reporting of a delinquent account
- New credit inquiries
- New public records
- New judgments
- New credit accounts and loans
Enhanced Credit Monitoring
IdentityIQ services include enhanced credit monitoring that includes:
- Authorized card users added
- Bank card over the limit alerts
- Closed trade lines
- Accounts sent to collections, excluding medical debts
- A decrease in collections balances
- An increase in collections balances
- Lost or stolen credit card
- New charge-off
- New foreclosure
- Paid collections
- Paid trade lines
- Retail card goes over the limit
- 10-point (or more) increase or decrease in your credit score
Dark Web Monitoring
Personal information is bought and sold on the dark web, where criminals use it to steal money and commit crimes. Unless you already know how to access and navigate the dark web, it can be a long, difficult task that takes up a lot of time.
IdentityIQ services have the tools and knowledge necessary to monitor the dark web for your personal information. This includes your Social Security number, name, address, birthdate, and other information you designate. The company checks in more than 25 languages to catch international criminals, too, to help protect your private information.
Identity Theft Protection
Your identity is more than the information on your credit report. The IdentityIQ experts know this and monitor a variety of other sources of information, including court databases – where criminals who have stolen your identity may have used your name, birthdate, or Social Security number in the commission of a crime – and the National Change of Address registry.
Sometimes, when your personal information is stolen, thieves use it to open new accounts with credit cards and loan companies. You may not know if you’ve been a victim of this type of identity theft until you pull your credit report, and suddenly your score has dropped significantly.
IdentityIQ services monitor your personal information for signs that new accounts have been opened or inquiries have been made, alerting you to determine whether those applications were made by you or by a thief.
Identity Theft Insurance
When the theft of your identity results in someone stealing money from you, IdentityIQ services have you covered. They provide up to $1 million in costs related to the theft of your identity, including theft of actual money from your accounts, lost wages, and the cost of legal fees related to your case.*
IdentityIQ customers have a dedicated case manager to help them put together an identity restoration plan, so they can help get control of their information faster and work toward repairing any damage that has been done.
Children are frequently the victims of identity theft because they have clean credit histories and are not monitoring their credit reports, allowing for thieves to possibly receive large sums in loans and credit cards.
To help protect children against identity theft, IdentityIQ services offer family protection for its Secure Max customers. This monitoring covers children who are under the age of 24 and live in the member’s home. This coverage gives them up to $25,000 in identity theft insurance.*
IdentityIQ Identity Theft Protection Features
- Founded in 2009
- Offers a variety of identity theft monitoring options at various price points
- Up to $1 million in identity theft insurance, including for lost wages, legal fees, or other related costs*
- Online educational resources and tools
- Monitors National Change of Address registry for changes to personal information
- One-week trial for just $1
- Suspicious activity alerts
- Offers both identity theft monitoring and credit monitoring so you don’t have to purchase multiple products
- Affordable monthly plans
- Family protection for Secure Max members
Pros and Cons of IdentityIQ Identity Theft Protection
Here are some of the pros and cons of choosing IdentityIQ services for identity theft protection:
- Affordable monthly plans
- A variety of tiers of service and monitoring options
- Family protection covers children who may fall victim to identity theft for Secure Max plan
- $1 million in identity theft insurance*
- A wide variety of online educational tools
- One-week trial for $1
- 100% U.S.-based customer service and support
- Fraud restoration assistance
- Offers both identity theft and credit monitoring, making it a one-stop shop
- Three-bureau monitoring and monthly credit reports and scores only available at highest tiers of service
- Family protection only available at highest tiers of service
- While the website is mobile friendly, currently IdentityIQ services does not have an app
IdentityIQ Identity Theft Protection Customer Reviews
IdentityIQ services have a large collection of overwhelmingly positive reviews. On consumer site BestCompany.com, the company has more than 300 reviews for a total rating of 4.2 stars out of 5.
Many reviewers point to IdentityIQ services accurate information and high level of trustworthiness as positives.
“If you want a trustworthy site that can provide you accurate data about your credit and provide identity security, this is the company for you! It has been very useful for me as someone who is in the process of buying my first home! Both my credit advisor and Realtor use the information from this site to determine my most accurate scores.” – Leslee
“So far I’ve been very pleased with the services of IdentityIQ. They keep me informed of any interaction or inquiries regarding my credit as well my credit score. I’m trying to build my credit to purchase a home and IdentityIQ have been diligent in ensuring that it will be a smooth process.” – Dorothy
How to Purchase IdentityIQ Identity Theft Protection
- Visit www.identityiq.com.
- Select the plan that’s right for you.
- Provide IdentityIQ services with some basic personal information about yourself as well as your billing information.
How to Contact IdentityIQ
Customer Service: (877) 875-4347
The thought of getting your identity stolen is scary. With IdentityIQ services, the team of experts gives you peace of mind knowing your identity and credit are being monitored. If you’re looking for a one-stop solution, choosing an IdentityIQ plan is going to get you the protection and notifications you need.
For those looking for identity theft protection, IdentityIQ services offer a variety of plans at affordable monthly prices, backed by AIG.
*Underwritten by AIG. Family protection plan includes up to three (3) family members under age 24 at no extra cost. Additional family members may be added for a nominal extra cost.
Frequently Asked Questions
Does the IdentityIQ Brand Offer Other Types of Services?
IdentityIQ only offers identity theft protection and credit monitoring services.
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