IdentityIQ Identity Theft Protection
- $1 million fraud insurance available on all plans
- Four different plan options, including a “Max” family plan that includes up to four minor children
- Credit score simulator
IdentityIQ is one of the newer identity monitoring services out there, but it’s quickly made a name for itself. The company offers identity theft insurance of up to $1 million on all of its plans, and its Max plan covers family members for free. Are those features worth the cost, though?
Below, we offer our complete breakdown of IdentityIQ’s four subscription options and let you know just what you get for the money.
|IdentityIQ Plans||Number of Individuals Covered|
|Secure Plus||1 adult|
|Secure Pro||1 adult|
|Secure Max||1 adult and 4 children|
IdentityIQ Subscription Information
In our IdentityIQ review, we gave you all the pros and cons of the service. Here, we dig a little more deeply into their pricing plans.
|Feature||Secure||Secure Plus||Secure Pro||Secure Max (Family plan)|
|Number of Credit Bureaus Monitored||1||1||3||3|
|Frequency of Credit Scores and Reports||x||Annual||Bi-Annual||Monthly|
|Daily One Credit Score Monitoring||✓||✓||✓||✓|
|Dark Web and Internet Monitoring||✓||✓||✓||✓|
|Reimbursement For Up to $1 Million in Stolen Funds||✓||✓||✓||✓|
|Enhanced Credit Report Monitoring?||x||x||✓||✓|
|Alerts on Crimes Committed in Your Name||x||x||✓||✓|
|Score Change Alerts||x||x||✓||✓|
|Credit Score Tracker||x||x||x||✓|
|Credit Score Simulator||x||x||x||✓|
|Fraud Restoration with LPOA (Limited Power of Attorney)||x||x||x||✓|
Hidden Deals and Discounts
The advertised prices listed on IdentityIQ’s homepage are just a bit pricier than comparable plans from other companies. Lifelock’s Ultimate Plus plan, for instance, is four dollars cheaper per month than IdentityIQ’s Max plan. Luckily, we managed to track down a hidden page that offered 15 percent off of IdentityIQ’s Secure Pro, Secure Plus, and Secure Max plans. In addition, this page allowed us to get discounts of 25 percent when we signed up for a full year of these plans.
Pro Tip: Many monitoring companies don’t advertise their lowest prices; instead, they bury them in their sites. Always use a search engine to look for deals with extra savings.
|Features||Secure Plus||Secure Pro||Secure Max|
|Monthly discounted Price||$8.49||$16.99||$25.49|
|Savings over the regular price||15 percent||15 percent||15 percent|
|Discounted price per month with annual plan||$7.49||$14.99||$22.49|
|Total savings with annual plan||25 percent||25 percent||25 percent|
Free Trial and Money-Back Guarantee
|Secure Max||No but $1 trial for 7 days|
The IdentityIQ homepage also doesn’t list a free trial option. However, we tracked down yet another unlisted page offering a seven-day trial of the company’s top-tier service, Secure Max, for just $1. After seven days, that trial converts into the $29.99 per month plan, so it’s important to cancel before that point if you don’t want the full service. Still, we think it’s always better to be able to check a service out before you make a commitment. Of course, you could also use the 30-day money-back guarantee to try the service out as well, though, again, you may have to track it down to prove it exists.
What Does IdentityIQ Cover?
IdentityIQ includes all the services we’d expect from a full-service monitoring agency, the kind that we feature in our list of best identity theft protection. These include credit reports, dark web monitoring, and constant scans of any public and court records. Plus, IdentityIQ includes a few extras like application monitoring and complete Social Security number tracking. Of course, as with most services, the more we pay, the more we get, but even its lowest-tier option offers strong protection and a $1 million insurance policy. IdentityIQ’s other features include:
- Daily credit monitoring: With all four of its plans, IdentityIQ sends us daily monitoring alerts letting us know if there have been any changes to our credit. If we see anything suspicious, it’s easy to contact IdentityIQ professionals who quickly investigate further.
- Dark web monitoring: Most of the trading and selling of stolen identity data takes place on the dark web. A complete identity package with a victim’s name, Social Security number, driver’s license number and email address can be purchased for as little as four dollars,1 and many sites selling this information claim to have over 170 million individual Social Security numbers.2 By constantly scanning the dark web, IdentityIQ helps ensure that our credentials aren’t being bought and sold to the highest bidder.
- Lost wallet: Obviously, if our wallets are stolen, we’re most worried about cancelling our credit cards. But thieves can make use of our identification and Social Security cards, as well. IdentityIQ helps us put our life back in order if something like this happens, not just cancelling our cards but also helping to make sure that no one else can take over our identities.
- Credit scores and reports: Additionally, for its Secure Plus tier, IdentityIQ provides an annual Experian credit score. With the Secure Pro plan, we got bi-annual credit reports from all three bureaus, Experian, Equifax, and TransUnion. And with the Secure Max plan, those reports came monthly.
- SSN monitoring: Most identity monitors keep an eye on our Social Security number by looking for any association of that number with the wrong address. IdentityIQ goes one step further: they actually take note of every time our Social Security number is used, looking for any instances that might not make logical sense.
- Application monitoring: In addition to monitoring every time that our Social Security numbers are being used, IdentityIQ also looks closely at every single application filed under our names to make sure that we are actually the ones filling it out. This doesn’t just include applications that run credit checks, but every single application where our names appear.
- Public and court records: IdentityIQ is constantly checking public and court records to ensure that our data isn’t showing up any place where it shouldn’t be.
Identity monitoring isn’t the only way to protect yourself in today’s wired world. Check out our complete guide to digital security.
FYI: Losing your wallet or purse doesn’t just mean losing your credit cards. In addition to contacting your bank and credit card companies, you should also alert the government to the fact that your ID, Social Security card, and any other important documents you carry, were stolen. IdentityIQ’s Lost Wallet Assistance program assigns a fraud restoration specialist to help with these processes.
There were also a number of features we got with IdentityIQ that we especially like.
- Enhanced credit monitoring: IndentityIQ’s enhanced credit monitoring keeps a close watch on all our financial behaviors, looking for even the slightest sign of anything out of the ordinary. They know instantly if a bank card or a retail card goes over its limit, immediately notifying us if there’s even a 10 point change in our Transunion credit score. They even keep up with our collection balances so we know immediately if they increase or decrease. Sure, there are times that means that we get a lot of email and text alerts. More alerts, though, only remind us that someone is looking out for us.
- Several plan options, including a whole family plan: We like choices, and IdentityIQ gives us four different plan options to choose from. One of those is the Max plan, specifically designed for families. It covers up to four children under the age of 18. We’re single, but we’d certainly recommend a plan like this one to all our friends with children, since child identity theft is a growing problem. No matter which plan we chose, though, even the cheapest, the Secure plan, we had daily credit alerts and dark web monitoring.
- Reimbursement available on all plans: IdentityIQ also offers $1 million identity theft protection to all their customers, even at their lowest tier. This includes full reimbursement for any damages incurred due to a stolen identity. If anything should go wrong with our identity or our credit, we hope IdentityIQ will catch it before it gets out of hand. Just in case anyone should go on a shopping spree with our American Express card, though, it’s nice to know that we won’t be liable for it.
- Personalized help from case managers: We’re one of the few lucky ones: we’ve never had to go through the awful process of dealing with identity theft. If we ever do, though, it’s good to know that IdentityIQ has professional case managers who will work on our individual case, talk us through what’s happened, and make sure that absolutely everything is put right again.
- Score simulator: One of IdentityIQ’s handiest features is their score simulator. It lets us know how a purchasing or loan decision might affect our credit. That way, we know if buying that speed boat is a bad idea before the tears start.
According to IdentityIQ’s terms and conditions, we can cancel our service by contacting the company by phone at 877-875-4347 and talking directly to a customer representative. IdentityIQ doesn’t make this process easy, though, so be prepared to put in some work. They don’t even publish this phone number outside of their member pages!
Each of IdentityIQ’s four tiers offers good value for the money. In addition, IdentityIQ is one of the few companies to offer a plan specifically designed for families (the Max Plan). On the downside, we aren’t fans of companies that sell our data, and for IdentityIQ’s price, they shouldn’t need to do this. We’re also troubled by the way the company hides information, like its discounts, annual plans, and cancellation phone numbers. Ultimately we’d say this monitoring company is fine as long as you don’t mind the data collection, the somewhat confusing website and the lack of a mobile app.
Below you’ll find answers to some of the most frequently asked questions about IdentityIQ.
How do I cancel IdentityIQ?
You may cancel your IdentityIQ account by contacting them by phone at 877-875-4347. Tell the representative you want to cancel, and ask for a verification email.
Does IdentityIQ have an Android app?
IdentityIQ does not have an Android app. The company doesn’t use apps at all but instead communicates with customers through email and text messages.
What is a good credit score?
A good credit score is between 670 and 739, according to the consumer credit reporting agency Equifax.
What score does IdentityIQ use?
IdentityIQ’s basic Secure and Secure Plus plans rely on one credit bureau score from Experian. Their Pro and Max plans, on the other hand, provide scores from three credit bureaus, Experian, Equifax, and TransUnion.
AtlasVPN. (2020). Your SSN costs less than a Starbucks coffee on the dark web.
AARP. (2021). Is My Identity on the Dark Web?