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Best Identity Theft Protection Reviews for 2018

Latest Update:    January 30, 2018

Top 10 Identity Theft Companies – A Side-by-Side Comparison Chart

Company Included Features What’s Missing? Cost of Protection Our Opinion

1) LifeLock

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*$1 million service guarantee

$1 million stolen funds replacement

Address change verification

Public record scanning

You can add a child for $5.99 through LifeLock Junior. Standard: $9.99/mo

Advantage: $19.99/mo

Ultimate Plus: $29.99/mo

Junior: $5.99/mo

Ultimate Plus is Elite Personal Finance’s TOP PICK out of all of the identity protection plans that exist.

Best protection EVER!

Their identity alert system is superior to anything you will find elsewhere and their $1 million service guarantee and stolen funds replacement leaves you with no liabilities.

2) Credit Sesame

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Tri-bureau credit monitoring and alerts

Tri-bureau credit reports and scores every month

Daily 1-bureau credit score updates

24/7 lost wallet protection

Clearly there are many identity theft protection features missing from their free coverage. If you want to get all the protection you need, it’s imperative to upgrade to the Platinum Protection plan instead. The basic credit monitoring service offered by Credit Sesame is free!

You can upgrade to Platinum Protection for only $19.95 a month or $191.40 annually to get full coverage.

Best for Everyone!

Platinum Protection is essentially a simplified version of LifeLock’s Ultimate Plus.

There won’t be quite as many “points of failure” guarded, but most of the key areas will be protected.

Affordable, and very user-friendly!

3) Identity Force

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$1 million in identity theft insurance

Daily tri-bureau credit report monitoring

Monthly credit score updates

24/7 identity restoration support

Identity Force does not provide: address change verification, data breach notifications, driver’s license monitoring, file sharing network scanning, investment account monitoring, or a stolen fund replacement guarantee. Add your child for only $2.75 a month or $27.50 yearly!

Identity Force UltraSecure: $17.95 a month or $179.50 annually

Identity Force UltraSecure+Credit: $23.95 a month or $239.50 annually

Cheap for Families!

UltraSecure+Credit is like Credit Sesame’s Platinum Protection, but with less features.

It’s a better option if you require a child add-on.

Affordable, with good credit monitoring!

4) myFICO

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$1 million in identity theft insurance

Tri-bureau, quarterly credit reports and scores

The main things you are missing out on are data breach notifications and a stolen fund replacement guarantee. FICO Identity Ultimate 3B: $29.95 a month or $329 annually

myFICO does not offer identity protection for minors.

Best for FICO scores!

We support myFICO’s Identity Ultimate 3B plan because it provides ID protection on top of premium-level credit monitoring services.

5) Wallet Hub

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Daily Update Credit Report

Customized credit improving tips

TransUnion Credit Report

1 Bureau Credit Monitoring Totally Free Credit Report, Credit Score and Credit Monitoring

Daily Updated!

Best for people looking for credit report changes fast

Wallet Hub is the ONLY credit report site that offers daily updates. They also offer customized credit improving tips. And they are absolutely free! No credit cards!

6) Credit Protection by TransUnion


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Credit report monitoring and alerts This plan is missing a lot when it comes to ensuring your identity stays safe.

Equifax’s offering is much better and comes with at least some specific identity protection features.

The Credit Protection plan costs $19.95 a month which makes it a little pricey for the fact that you aren’t getting comprehensive coverage.

Stay away!

We do not advise you invest in this protection plan as there are many better options out there. It doesn’t offer much ID protection at all.

7) TrustedID from Equifax

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$1 million in identity theft insurance

Facebook privacy monitoring

Fraud alert placement

TrustedID lacks many identity theft protection features that are important.

To reduce your risk of being victimized, stick with #1-5 on this list!

The TrustedID Individual Plan costs $14.99 a month or $125 annually. If you sign up for the Family Plan instead though, you’ll get full family coverage for $27.99 a month or $240 annually.

Don’t bother!

The services provided are just a little weaker than LifeLock Standard. This makes even the family plan deal seem like it’s nothing special.

8) Privacy Guard

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$1 million in identity theft insurance

Address change verification

Fraud alert placement

Privacy Guard plans do not include criminal record monitoring, sex offender registry reports, or telephone, and loan and lease information monitoring.


Privacy Guard runs $1 for the first 14 days and then it costs $19.99 each month to keep the service active.

Privacy Guard does not offer identity protection for minors.

Don’t bother!

Privacy Guard has many negative reviews online.

You are better off with one of the top-5 protection plans; also, it’s easy to place a fraud alert yourself so you’re not losing out!

9) ProtectMyID by Experian

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$1 million in identity theft insurance

Instant credit report alerts


You won’t have access to riminal record scanning, active credit card monitoring, or bank account monitoring. ProtectMyID Identity Theft Protection costs $15.95 a month, but there’s a 10% discount for anyone 55 or older.

Stay away!

There are many users that have complained about this service because of the lack of proper customer support and various technical errors. It’s cheap, but not great!

10) Identity Patrol by Equifax

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$1 million in identity theft insurance

Unlimited Equifax credit reports

24/7 identity restoration support

There are many identity protection features missing from this plan; there are about half as many features as you need to have complete ID protection. Identity Patrol costs $16.95 a month which is a fair bit more than what most competitors charge for ID theft protection.

This plan is really valued at around $9.99 as it compares to LifeLock Standard.

Stay away!

Their identity protection system is weak. The only good thing is you get instant and unlimited access to your Equifax credit file.


“Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at”


IMPORTANT: If you want to know the real difference between identity theft protection companies and why exactly some are the best, you MUST READ this article.

You could save hundreds of dollars a year by doing so.

Identity theft is an issue that affects millions of Americans each year. Many fraudsters are always on the lookout for more people to scam, defraud, and make a quick buck off of.

You need to protect yourself. And fast.

But there are so many protection companies out there! It can get overwhelming trying to research them all. Luckily for you, we at Elite Personal Finance have done a lot of the research for you for free.

Here, we will be counting down the 10 best identity theft protection companies and what their best offers are.

In each summary, if we have a more in-depth review of the company, we will link to it so you can get an even closer look.

How We Chose the Best Identity Theft Protection

Listing the 10 best identity theft protection companies is no easy task. While a few are obviously great, many companies have at least a few bad things to say about them. We strongly root for the top 3 listed here — LifeLock, IdentityProtect, and Credit Sesame, but there are others that are good too.

We had to assess the identity protection plans based on their core features and the perceived value of them. For an identity theft company to provide a good service, you need to have at least certain base features. Some of these include identity monitoring, alerts, credit card moniotring, and lost wllet protection. Not all of the companies on the top 10 list provided these, but those that had more to offer (without overcharging) got ranked higher.

If you have a personal experience with any of these companies below, please comment and share it with the rest of our readers!

#1: LifeLock – The Best Identity Theft Protection


LifeLock is #1 on our list for two reasons.

  1. It has a plethora of identity theft services, which make it in running for the best, and
  2. It has a wide variety of service plans for nearly anyone.

What does LifeLock offer?

  • LifeLock Standard ($9.99/mo). $25,000 Reimbursement for Stolen Funds. SSN and Credit Alerts.
  • Lifelock Advantage ($19.99/mo). $100,000 Reimbursement for Stolen Funds. SSN and Credit Alerts. Bank & Credit Card Activity Alerts. Alerts on Crimes in Your Name.
  • Lifelock Ultimate Plus ($29.99/mo). $1 Million Reimbursement for Stolen Funds. SSN and Credit Alerts. Bank & Credit Card Activity Alerts. Alerts on Crimes in Your Name. Annual 3 Bureau Credit Reports + Credit Scores. 401(k) & Investment Activity Alerts.

It’s a really close one to call, though. LifeLock offers a lot and we’ve gone ahead and reviewed every single one of their plans: LifeLock Standard, LifeLock Advantage, LifeLock Ultimate Plus, and LifeLock Junior.

Head over to LifeLock and get your choice of plans from the #1 identity theft monitoring company!

Disclaimer: “Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at .”


#2 – Credit Sesame – The Best Free Protection

Credit Sesame

Credit Sesame is very well known for giving a nearly instant credit report and score. But it’s better known for being a completely FREE service to use.

Yes, Credit Sesame is FREE credit monitoring!

And as of a few years ago, they’ve also become a free identity theft protection service provider.

The features are not as comprehensive as what you will get with a paid plan, but you can’t beat the price!


  • Free
  • Instant Credit Score
  • Credit Monitoring and Alerts
  • $50k Identity Theft Insurance

Get FREE Protection Now!

#3 – Identity Force – Lots of Protection Software

Identity Force


Identity Force is one of the best identity theft protection services, and for good reason. Their identity theft protection plan runs $17.95 a month, which makes it a little pricey. However, it is well worth it and upgrading to the $23.95 plan will add a lot of credit monitoring perks.

Our Identity Force review is here, if you want to give it a look. But here are the main additional benefits which made us put them in the top 5:

  • Family Plan: You can get family protection for an added fee, which includes your spouse and dependents.
  • Daily Credit Monitoring
  • Tri-Bureau Credit Scores

Identity Force also includes lost wallet protection, medical card protection, insurance, daily credit monitoring, access to 3 bureau credit scores, fraud alerts, and an Identity Score that represents your level of risk. There’s no wonder why it’s Top 3 on nearly every list.

Get protected through Identity Force now!

#4 – myFICO – Tri-Bureau Scores


Myfico is a service owned by FICO, the company that developed the credit score algorithm. They offer primarily services in credit monitoring and sell credit reports that can be obtained at any time.

We did a review of myFICO on Elite Personal Finance in the past. But here’s a look at their features:

  • All 3 Credit Scores and Variations Used by Lenders: You can check your credit standing and be warned of any fraud that happens. You’ll even see what scores different types of lenders will be using.
  • Identity Scan: This is a comprehensive scan of the Internet, looking for anywhere your identity might be used.
  • SSN Monitoring: If someone has been using your SSN to get a new house, use a new alias, or take out a loan, you’ll see it when it happens.

The reason it’s ranked so low on our list is because of the price. Although it has more features that Equifax’s ID patrol, their highest grade product costs $30/month! Compared to other $30/month products, it’s not the best.

Check out MyFico today!


#5 – Wallet Hub

Wallet Hub is the only site that offers credit report daily updates, credit score, credit monitoring and identity theft protection. And it is totally free. Register now and get it.

They provide Vantage Score from Trans Union. How do they make money, this is your main concern? No reason for this. WalletHub uses similar business model like Credit Karma and other similar sites offering free credit reports. They make money by showing financial product ads to you. Wallet Hub pays money to get your free credit report, but when you sign up for one of the ads that they send you, they get paid. And of course, you are not required to sign up with any of them. But based on your financial situation, which WalletHub knows, they send you really tailored and great offers.

So, if you register now with WalletHub, here is what you get:

  • 100% Free Credit Report, Credit Score, Credit Monitoring, Identity Theft Protection. They pull credit report from TransUnion, according to Vantage Score model. It’s not like FICO Score, but still it will work for some of you, or at least give you an idea of your credit report.
  • Daily Updated! They are the only company that updates their credit report daily. It’s great for people who are in the process of improving their credit score, or people with the high risk of identity theft.
  • Customized Credit Improvinips. Based on your financial situation, WalletHub sends you great tips, tailored specifically to your situation.

Register with WalletHub Now!


#6 – Credit Protection by TransUnion



TransUnion is the third credit bureau on this list that offers identity theft protection. Similar to Identity Patrol, TransUnion offers an easy credit freeze in case of a fear of fraud.

It costs $17.95 a month, a dollar more than Equifax’s service.

There are some things it does better than make it worth that extra dollar. Some of them include:

  • Mobile App Control: Although having ‘on-the-go’ functionality isn’t always necessary, being able to monitor your credit even when away from home is a big plus. It also gives you the option to freeze and unfreeze your credit.
  • Credit and Debt Analysis: TransUnion will look at your credit portfolio and provide you with an in-depth analysis. This is especially good for detecting small signs of identity theft.
  • Instant Alerts: You will get an alert if a lender has requested your credit report. If you did not apply for anything, then this may signal identity fraud.

They offer a $1 7-day trial, which you can check out here.

Both companies are credit bureaus, so their main focus is not preventing identity theft. For this reason, they are low on the list.

That’s it for our Top 10 list …

It’s a tough one to call, so we’ve included links to all of the companies in our review.

If you have any opinions, feel free to comment and talk about your experiences with these companies!

Get Credit Report from TransUnion!


#7 – TrustedID – Family Protection at Little Cost



TrustedID is another subject of one of our best identity theft companies reviews, and we’ve already discussed its main benefit: its family protection.

For your family, you can get:

  • Fraud Alerts: to your e-mail and cell phone
  • Internet Privacy Monitoring: including Facebook and Twitter
  • Junk Mail Reduction
  • Sex Offender Registry Scan

It offers nearly everything that the previous companies do and more, but your family is included in the protection for only $20/month. That’s already a similar price to the other identity theft protection companies.

Read our review here before joining…

Get protection for your family from TrustedID now!


#8 – Privacy Guard – Try It For Free


We’ve done an in-depth identity protection review of Privacy Guard, but we’ve put it on this list for a few reasons.

First, it’s $15/month. However, to get this deal, you want to click on the free trial link, then exit out of the page. Click ‘Stay on This Page’ and you will get access to the $15/month deal. It’s a sneaky trick, which is why we’ve put it low on this list.

Second, it’s pretty comprehensive overall. Here’s what this company provides:

  • Identity Restoration Support: Privacy Guard will help restore your good name in case of fraud.
  • Fraud Alerts: You will be alerted to any fraud that is happening, through e-mail or SMS message.
  • 3 Bureau Credit Score: You will get access to your credit score from any of the 3 bureaus.
  • Lost Wages: If you have to take time off work to restore your identity, they will cover up to $1,500/week in lost wages! However, this rarely happens and is unlikely to happen to you, so you’re unlikely to be able to take advantage of this.

It lacks a coverage plan, but it does offer some decent support and credit monitoring. Best of all, they cover any pay lost.

TransUnion and Equifax lack the support that PG does… but as our review said, PG’s customer support leaves a little to be desired.

They have a free trial, but they’ve been placed at #5 due to the lack of flexibility.


#9 – ProtectMyID by Experian



We’ve done a ProtectMyID review in the past. However, this identity theft protection company offers a pretty strong value which places it at #5.

What does it offer, you might ask? For $15.95/month, it has:

  • Child identity protection. This is the biggest value here, as most companies will charge extra for another member of the family. However, for no added cost, ProtectMyID will help protect your child’s identity from being stolen and used.
  • Lost Wallet Protection: In case you lose your wallet with ID cards, medical cards, or credit cards, they will help you cancel you cards and place fraud alerts on your accounts.

They also offer $1 million in coverage, fraud alerts, and address change notifications… as well as a seniors (55+) discount. See what they offer!


#10 – Identity Patrol by Equifax




Brought to you by Equifax, a credit reporting bureau that provides credit scores, Identity Patrol is a solid choice overall.

At $16.95 a month, Identity Patrol offers the following:

  • Unlimited access to your Equifax credit report. This is big, because it allows you to see real-time changes in your score that will allow you to detect fraud happening as soon as it does.
  • Easy credit freeze and unfreeze. If you fear fraud, it’s easy to request a credit freeze: simply freeze it on the web. And if you want it unfrozen, that’s just as easy.
  • Automatic fraud alerts. If there is any suspicious activity on your credit profile, Equifax Identity Patrol will alert you instantly.

This is a good service to choose from if you have an active credit profile, because freezing and unfreezing your credit becomes super easy.

Check Identity Patrol out now!


Identity Theft Protection FAQs

If you’ve been meaning to safeguard your identity, but you’re still a little lost … then these frequently asked questions will come in very handy. Again, you’re welcome to comment below if there’s anything that has yet to be answered here!

Is free identity theft protection really worth it?

If you aren’t paying for the protection, you will not have the same level of safety. The free protection plan will only safeguard you from certain identity theft risks. Then you are left with many ‘points of failure’ exposed. It’s best to invest in a premium identity protection plan as it will secure as many weak spots as possible. Yet, even then there are no guarantees — which is why you want to be covered with a ‘service guarantee’ or ‘identity theft insurance’ as well.

How do these paid services prevent identity theft?

There is no way to guarantee that your identity will stay safe, just because you use any of these premium protection services. They can only enhance the amount of safeguards you have that work against common identity theft tactics. From there, you can fall back on the service guarantee, insurance, or stolen funds replacement policy to remove liabilities. This is when a paid service comes in handy as it eliminates the need to spend countless hours trying to recover your identity.

What are the most common identity protection features?

When you invest in identity prevention services, there are certain features that you can almost always expect. This includes: identity monitoring alerts

How much does identity monitoring cost?

An identity monitoring plan typically costs between $7.50 and $15 per month. There are some advanced plans that price around $20 monthly instead. If you’re looking to get coverage that includes credit monitoring features, then you’re looking at the $20 to $30 per month price range. Adding a minor could cost anywhere from nothing to $5.99 a month from most providers.

Should you buy a plan that has credit monitoring?

Identity theft protection plans that include credit monitoring are a great investment. They give you the added security of identity monitoring, which watches for any signs of identity theft. If something is detected, your credit accounts will be protected more closely. Therefore, the two types of monitoring work together to ensure your identity (and financial accounts) stay safe.

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One comment

  1. Just wondering how Norton Identity Protection Elite compares and if it is not in the top 10 because it is a new product.

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