• Free trial: No
  • Family plans: Yes
  • Insurance: $1 million
  • Credit reporting: Yes
MINIMUM PRICE:
$ 8.99 /month
Visit Website

IdentityIQ Review—Smart Protection at an Affordable Price

With its full suite of some of the best identity theft monitoring products, IdentityIQ actively monitors your personally identifiable information, so you have minimal risk of fraud and identity theft. Additionally, it gives you credit reports, scores and updates, and grants you secure browsing.

IdentityIQ Review—Smart Protection at an Affordable Price
MINIMUM PRICE:
$ 8.99 /month
Visit Website
  • Free trial: No
  • Family plans: Yes
  • Insurance: $1 million
  • Credit reporting: Yes
  • Dark Web scanning: Yes
  • Devices covered: Unlimited
  • VPN: No
  • Mobile apps: No
  • Key features: Affordable rate, customizable interface, comprehensive coverage, tri-bureau credit monitoring

Best For

SSN MONITORING

STRENGTHS

  • Affordable rates
  • Customizable interface
  • Comprehensive coverage
  • Tri-bureau credit monitoring

WEAKNESSES

  • No free IdentityIQ trial
  • Cheaper plans are lacking

PRICING PLANS:

Secure

$8.99/monthly

Secure Plus

$11.99/monthly

Secure Pro

$21.99/monthly

Secure Max

$32.99/monthly

Technology has been both convenient and burdensome to 21st-century living. People are working, learning, and transacting online now more than ever.

But things like contactless credit card readers and online purchasing are ripe for identity theft and other cybercrimes.

IdentityIQ is one of the best identity theft protection services out there.

It keeps your data safe with powerful defenses such as three-bureau credit reporting, dark web scans, fraud alerts, and more. Plus, as users like to point out in their IdentityIQ reviews, it’s affordable and quite easy to use.

Keep on reading to see whether IdentityIQ is an excellent option for your online privacy needs.

What Is IdentityIQ?

It’s identity theft and credit protection service designed to help users stay on top of data breaches.

IdentityIQ actively monitors your personal information with enhanced protection services.

It also has several advanced programs, including credit monitoring for you and identity theft insurance for your family.

Features

Your IdentityIQ membership fee grants you access to outstanding features that help protect your personal data and, if need be, restore it.

Family Protection

Identity theft doesn’t impact only adults.

Because people in the US get a Social Security Number virtually at birth, children’s stolen identities will often go unnoticed until they turn 18. That makes them especially vulnerable to synthetic identity theft.

Although there’s no IdentityIQ family plan per se, the Secure Max plan comes with free coverage for your family plus up to $25,000 in identity theft insurance for your children.

For it to apply, children must be younger than 24 and living permanently with the policyholder at the time of the identity theft incident.

ID Recovery

Identity theft is detrimental financially and emotionally. After getting your identity stolen, the recovery process is long, arduous, and very expensive.

IdentityIQ protection services include restoration support, so you don’t have to deal with the stress of going about it on your own.

Once IdentityIQ spots signs of identity theft, it will assign you a US-based dedicated account manager who will help you assess the damage, put together a plan of action, and be with you every step of the way.

The account manager will have limited power of attorney and have the authority to make calls, submit documents, send reports, and so on.

Insurance

IdentityIQ fraud protection services include up to $1 million in identity theft insurance for you (the primary member) and up to $25,000 for your children.

The insurance covers out-of-pocket expenses incurred due to identity theft (such as legal fees) plus coverage for funds stolen by unauthorized Electronic Funds Transfers (EFTs).

Additionally, IdentityIQ restores up to $1,500 per week (for five weeks maximum) in lost wages during the course of the recovery process.

Enhanced Monitoring

IdentityIQ has various advanced monitoring capabilities to ensure that your identity is always safe. For example, the IdentityIQ credit monitoring service allows you to keep track of any changes made to your credit report file.

IdentityIQ also monitors unauthorized usage of your Social Security Number and looks for utility applications, payday loans, cellphone contract applications, and credit applications made in your name, so you can take action immediately.

The dark web monitoring service, on the other hand, scans darknet markets to make sure your personal info isn’t being bought and sold.

Alerts

IdentityIQ will alert you, for example, of any new credit inquiries, public records or judgments, as well as any new credit accounts and loans taken out in your name.

In addition to all this, IdentityIQ has enhanced credit protection alerts, including notifications for when your TransUnion credit report increases or decreases by 10 points, when your bankcard goes over the limit, and when authorized card users are added to your account.

IdentityIQ Downsides

  • There’s no free trial period.
  • The cheaper plans lack some essential features, for example, the Secure Plan doesn’t include IdentityIQ credit reports and scores. Also, the Credit Score Tracker and simulator are only included in the Secure Max membership.
  • They may still contact you after you cancel your subscription—the company may continue to access your credit information and alert you if they see anything suspicious or if they think you might benefit from a special offer. If you don’t want to receive these notices, make sure to opt-out of ongoing communications.

Plans & Pricing

IdentityIQ has four paid plans:

Secure Plan – The entry-level IdentityIQ membership cost is $8.99/month. It includes features like daily one-bureau credit report monitoring, SSN alerts, dark web and internet monitoring, coverage for personal expense compensation, lost wallet assistance, US-based ID restoration services, coverage for lawyers and ID theft expert fees, and up to $1 million in stolen funds reimbursement.

Secure Plus – It costs $11.99/month and includes everything in the Secure Plan plus annual tri-bureau credit reports and scores, IdentityIQ alerts with application monitoring, and change of address notifications.

Secure Pro – For $21.99/month, you’ll get everything in the Secure Plus plan except that the tri-bureau credit reports and scores will come bi-annually. Additionally, this plan includes enhanced credit report monitoring, alerts on crimes committed in your name, and credit score change alerts.

Secure Max – The ultimate IdentityIQ plan costs $32.99/month. In addition to all the features in the Secure Pro plan, it gives you access to a Credit Score Tracker, a Credit Score Simulator, fraud restoration with LPOA, and family protection. Plus, you get monthly tri-bureau credit reports and scores.

Support

IdentityIQ isn’t available 24/7, so it might prove challenging to get in touch with them from time to time.

They can only be reached by phone during business hours, which are 7 AM to 7 PM CST Monday to Friday, and 8:30 AM to 5 PM on Saturdays.

There’s no IdentityIQ app, but you could also contact them online when you sign in to your account.

Ease of Use

The sign-up process is pretty straightforward. You need to enter your contact details, current address, and billing information, and you’re good to go.

As far as we know, users haven’t had any complaints about IdentityIQ functionality and ease of use.

In fact, the dashboard—which is where you can view your credit scores from all three credit bureaus and use tools like the Score Tracker and the Score Simulator—is neatly arranged, so you won’t struggle trying to figure out where everything is.

IdentityIQ User Reviews

We scoured the internet to find some IdentityIQ reviews written by users, to get a sense of how the user experience is generally like—which is, apparently, “good, but not great.”

IdentityIQ has an A+ rating on BBB. They’ve closed 139 complaints on this platform in the last three years. Most of these complaints were about billing issues and problems canceling the subscription.

On the other hand, the positive IdentityIQ features that are often mentioned in user reviews include: the easy-to-use website, timely alerts, and affordable plans. One user in particular mentioned in their IdentityIQ review how great it is that they offer $1 million fraud insurance no matter the plan.

Is IdentityIQ Worth It?

IdentityIQ has incredibly affordable plans with advanced features to help monitor and protect your credit. These include tri-credit bureau reporting, credit score delivery, and alerts for any suspicious changes to your credit report.

From the IdentityIQ reviews we read, we gather that the company’s customer support service is pretty much the only (or at least the main) source of clients’ dissatisfaction. 

This is obviously not ideal, but also not necessarily a deal-breaker.

Especially considering all the benefits IdentityIQ provides, such as dark web and SSN monitoring, constant scouring through international most-wanted lists and national criminal record databases, and $1 million ID theft insurance.

We at Hosting Tribunal believe that makes IdentityIQ more than worth it.

Alternatives of IdentityIQ

IdentityIQ is one of the top identity theft protection services on the market, but with data breaches becoming more and more frequent, the industry is increasingly more competitive.

Allstate Identity Protection/InfoArmor vs IdentityIQ

Allstate Identity Protection is an outstanding identity theft protection service, which offers affordable subscription plans for you and your family.

Aside from its credit monitoring capabilities, it’s the Enhanced Financial Monitoring features that make Allstate stand out in the market. The company monitors high-risk credit card, bank account, and even 401(k) transactions, to ensure the risk of identity theft is kept to a minimum.

IdentityIQ’s monitoring services focus on keeping track of your credit rather than on the financial side of things.

Its Enhanced Credit Monitoring features check your credit record constantly, thoroughly and effectively, alerting you of any and all changes to your credit.

So, all in all, IdentityIQ has lower prices and is a better option for credit monitoring. If you’re interested in financial monitoring, though, Allstate is preferable.

LifeLock vs IdentityIQ

Backed by the powerful Norton antivirus company, LifeLock is undeniably one of the leading identity theft and fraud protection services.

LifeLock, like IdentityIQ, offers tri-bureau credit monitoring, lost wallet protection, and $1 million ID theft insurance; however, it doesn’t include a credit score simulator nor a credit tracker in any of its subscription plans.

LifeLock has three tiers of protection, each of which offers a Family Plan option.

For families with kids, subscriptions start at $23.99/month and include credit file detection and up to $25,000 Stolen Funds Reimbursement for each child, as well as all identity theft protection benefits.

For comparison, IdentityIQ offers family protection only at the Secure Max level, which costs $32.99/month.

IdentityForce vs IdentityIQ

Both of these are some of the best identity theft protection services around. However but there are some key differences worth looking into.

For example, IdentityIQ has more affordable plans and has free family protection with the Secure Max plan, while IdentityForce charges an additional $2.75/month per child to any adult subscription.

On the other hand, IdentityForce has advanced features that IdentityIQ doesn’t have, like Social Media Identity Monitoring, Online PC Protection Tools, and Junk-Mail Opt-Out.

Plus, it offers two months free on all annual plans.

Verdict

We will conclude our in-depth IdentityIQ review by recommending the service wholeheartedly.  

The company’s comprehensive monitoring helps minimize the risk of fraud and identity theft. Its restoration services ensure you are able to bounce back easily, in the (unlikely) case that it happens.

IdentityIQ monitors your personal information and notifies you of any potentially fraudulent activity. Additionally, its Secure Max plan gives you access to the Credit Score Simulator and free family protection.

So, our verdict for this IdentityIQ review is that IdentityIQ is an affordable, high-quality, comprehensive identity theft and credit protection service.

FAQ

Is IdentityIQ legit?

Yes. IdentityIQ is one of the highest-rated identity theft protection services on the market. It’s accredited through the Better Business Bureau and has an excellent record with its customers.

Is IdentityIQ safe?

Yes, it is. Although nobody is completely safe from data breaches, as of yet, nobody has hacked IdentityIQ.

As an identity theft protection company, IdentityIQ takes cybersecurity very seriously and helps you both keep the risk of identity theft at a minimum, and recover in case it has (unfortunately) already happened.

How much does IdentityIQ cost?

IdentityIQ costs $8.99/month for the Secure Plan, $11.99/month for Secure Plus, $21.99/month for Secure Pro, and $32.99/month for Secure Max.

Is IdentityIQ or LifeLock better?

It depends on the kind of service that you’re looking for. They both offer identity theft insurance, as well as dark web, credit, SSN, bank account, and medical records fraud monitoring.

Their prices are fairly similar, both starting at around $9/month. However, LifeLock gives you more subscription options for family protection.

How to cancel IdentityIQ membership

You can cancel your IdentityIQ subscription by calling 1-877-875-4347. They’ll ask to verify your identity before terminating your membership.

Admittedly, IdentityIQ reviews tend to convey users’ unhappiness with this particular procedure, saying that it’s hard to do cancellations over the phone.

So, another option (which is unfortunately not always available) is canceling your subscription through the website. To do this, you just need to log in, then go to “manage my account”, and select the option “cancel my account”.

Tip: Remember to also opt-out of ongoing communication.

ABOUT AUTHOR

Unaware that life beyond the internet exists, Nick is poking servers and control panels, playing with WordPress add-ons and helping people get the hosting that suits them.