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10 Best Identity Theft Protection of 2018

Protecting our personal and financial information has become a must, especially in a growing digital world. We review the Best Identity Theft Protection services. 

Disclosure: We receive advertising revenue from some partners.
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Identity theft protection helps protect potential victims of identity theft. From social media to banking information, identities are more valuable than ever. A few errant credit card purchases, for instance, can ruin credit scores for years afterwards. Hiring an identity theft protection company ensures that your private information stays that way.

Before choosing an identity theft protection company, be sure to thoroughly research the services it provides. Companies typically offer four different services: credit monitoring, expert support, insurance, and information surveillance via internet and public sources. Through these, companies are not only able to detect identity theft, but can also greatly mitigate the damage thereof.

When agreeing to protection from identity theft, it is important to understand what is being agreed to. In some cases, for a company to act in one’s stead, it may need to be granted power of attorney. While this is mostly innocuous, this does allow them to contact banks and access information on the user’s behalf. It’s therefore important to make sure that the company you choose has a solid reputation and excellent customer service. Make sure to carefully review all documents the company provides, specifically with regards to services rendered, costs, and additional protection options, in order to prevent any remorse later on.

Top 10 Companies

Our Partner
9.8 / 10
  • Editor's #1 choice, fantastic customer satisfaction
  • Quarterly credit score* updates
  • $1M identity theft insurance
  • BBB accredited, A+ rating
  • 30-day free trial
Our Partner
9.8 / 10
  • Individual & Family Plans with Competitive Pricing
  • Complete Identity Restoration Services
  • Industry Leading $5 Million Service Guarantee
  • IDShield Vault Password Manager
  • Child Monitoring included in Family Plans
  • Lost Wallet Assistance
Our Partner
9.7 / 10
  • 2017 Best-in-Class Identity Theft Protection by Javelin Strategy & Research
  • $1M Identity Theft Insurance
  • Amazing service - they handle every detail
  • 35 years of experience
  • 30-day free trial with renewal for $14.95
  • Now offering bank & credit card activity alerts
Our Partner
9.6 / 10
  • 3 Bureau Daily Monitoring and Alerts
  • 3 Bureau Official FICO Scores Quarterly
  • $1 Million Identity Theft Protection
  • Dark Web Surveillance and Alerts
  • 30 Day Free Trial/$9.99 a Month 
  • Dedicated Fraud Resolution
Our Partner
9.6 / 10
  • Covers All Types of ID Theft
  • Personal Information Monitoring
  • Social Security Monitoring
  • Address Change Monitoring
  • Court Records Monitoring 
  • Updates regarding data breaches
  • 24/7/365 Customer U.S. Based Support
  • Unlimited ID Theft Victim Recovery Services
  • $1 Million Stolen Funds and Expense Reimbursement Guarantee
  • Stolen and Lost Wallet Protection
  • Rates as Low as $7.99 a Month
Our Partner
9.5 / 10
  • $1M Total Service Guarantee*
  • Black Market Website Surveillance
  • Reduced Pre-Approved Credit Card Offers
  • 10% Off for the First Year
  • Lifelock Advantage Renews at $19.99
Our Partner
9.4 / 10
  • $1,000,000 Identity Theft Insurance for client and their family
  • Stolen funds reimbursement and cash recovery
  • Industrial strength Identity Theft Protection
  • Alerts for financial accounts, account applications, and more
  • Credit Restoration
  • Monthly FICO® Score, analysis, and tracking
  • Support via US based credit report experts (web, phone, chat & email)  
Our Partner
8.9 / 10
  • Up to $1 Million Loss Protection Guarantee
  • Military-grade password encryption
  • Credit score tracker from Trans Union
  • Free spouse and child protection (Ultimate)
  • Identity theft recovery specialists
Our Partner
8.4 / 10
  • Free credit score with monitoring
  • NO credit card required
  • Upgrade available to monitor & fix ID Theft
  • 24/7 Expert support
  • Credit score monitoring included (Insurance available as a paid upgrade)
Our Partner
8.2 / 10
  • $1 million insurance
  • Official FICO Scores from all 3 Bureaus
  • Family, child coverage
  • Competitively priced

How We Compare Identity Theft Protection

Credit Monitoring


Most identity theft protection companies started as credit monitors, and adapted as the needs of the consumer changed. The services offered by these companies have improved as well. Now credit monitoring is only one piece of the puzzle.

Companies and their representatives are likely to review your credit report more frequently than you will if you do it yourself, often daily, weekly or monthly.  There are three credit bureaus (Equifax, Experian and TransUnion) that collect your credit history, and the information on the reports can vary from one bureau to the next, so make sure all three credit bureaus are monitored.

Under the Fair Trade and Accurate Credit Transaction Act, each credit reporting agency is obliged by law to provide you a free copy of your credit report every 12 months, when requested.  However, if you want to monitor your credit more than once a year it can become costly. That is why we suggest choosing an identity protection service that will not only monitor your credit but will also send a copy of your credit report and scores to you regularly throughout the year.

Why is your credit important?

Your credit is essentially your financial reputation. Your credit report demonstrates to lenders how you have historically handled debt, and includes information about lines of credit that have been extended to you, your payment history, and the amount of debt you currently have with lenders as well as any accounts that have gone to collection agencies or legal action taken against you for non-payment.

Oftentimes, lenders (banks, credit card companies, loan providers, etc.), utility companies, leasing/rental companies, and employers will look at this report to learn more about you. If you have poor credit, this could prevent you from getting a line of credit extended, or possibly even prevent you from getting a job. 

The Bottom Line:

Credit monitoring is not the only way Identity Theft Protection companies help detect threats to your private information, but it is an important part. Make sure to pick a company that monitors all three credit reporting bureaus. Some companies offer to send your credit reports and score to you in addition to monitoring.

Beware of websites that claim to give you free credit reports or scores.  The only site that is authorized by Federal Law to give you these reports is www.annualcreditreport.com. Always be careful of who you give your personal information to!

Information Protection


Companies will proactively monitor the internet and other databases for your personal information. This can include, but is not limited to your: name, address, phone number, Social Security number, bank account numbers, and credit/debit card information. They achieve this by monitoring things like public records, criminal records, medical/insurance records, and black market internet sites to ensure the integrity of your personal information is sound.

Even if the company finds something fraudulent or criminal, they may not be able to do anything to remove it. However, chances are, neither could you. Instead, the identity theft protection provider can alert you faster than you would find out on your own, and work with you on damage control.

Additional services offered to protect you could include computer security software, such as anti-virus/anti-malware or keystroke encryption software. Some companies will also remove your name from junk and pre-approval mailing lists, which lenders use to mail pre-approved credit card and loan offers to consumers. By removing your name from this list, thieves cannot steal these letters from your mailbox or from the trash

Children in particular are at risk more and more because they have “clean” credit history linked to their Social Security number. It can take years for this type of theft to be noticed, giving thieves ample time to ruin a child’s financial reputation. Many companies recognize this threat and offer identity protection for children as an additional or stand-alone service. 

Companies will monitor the internet and public databases, like:

  • Black market websites
  • Public Records / Court Records
  • Medical / Insurance Records
  • And more…

And look for your personal information, like:

  • Your name
  • Address
  • Phone
  • Social Security Number
  • Bank Account Numbers
  • Credit/ Debit Card Numbers
  • And more…

The Bottom Line:

The best Identity Theft Protection services also monitor the internet and public databases for your personal information. If they find that your information has been compromised, they will try to remove it, but this may not always be possible. In these cases they will notify you promptly and work with you to limit the extent of the damage. Remember, early detection is key when it comes to protecting your identity.

Recovery Services


Identity theft protection companies also provide recovery assistance if your personal information is compromised. If your identity has been stolen, protection companies have identity theft specialists to help guide you through the recovery process. The company may also be able to act on your behalf when dealing with credit reporting bureaus, creditors, or other information sources. They may even be able to fill out paperwork and make phone calls for you. The government itself provides an additional optio for identity theft protection, via the Federal Trade Commision's IdentityTheft.gov webpage, which allows consumers to report the issue, and obtain a recovery plan. 

This could mean that the company can put a fraud alert on your credit report on your behalf, or assist you in freezing your credit. A fraud alert is essentially a flag on your credit file that notifies potential lenders that extra steps should be taken to verify the identity of the person trying to take out a line of credit. A credit freeze (or security freeze) is the next step up from a fraud alert. This hides your credit report completely from lenders looking to extend credit. However, you will have to remove the freeze if you want to apply for a loan or open a new credit card. Typically there is a small fee associated with credit freezes that varies by state (usually $10-15).

One form of recovery assistance is called lost wallet protection. If you lose or misplace your wallet or purse, most companies will help you report and replace items such as credit/debit cards, licenses, insurance cards, checkbooks, and much more. They can also help you access funds from your bank account to help hold you over until your new cards arrive.

For some of these restoration or recovery services you may be required to sign a limited power of attorney in order for the company or their representatives to legally act on your behalf. Since this will give the company legal power to represent you, make sure to read any legal document carefully and consult a lawyer if you have any questions or concerns before you sign.

Companies provide Recovery Services to customers whose identities have been stolen, including:

  • Identity Theft Recovery Specialist Assistance
  • Fraud Alerts or Credit Freezes for your Credit Report
  • Lost Wallet Protection
  • Contact Financial Institutions
  • Help Replace Documentation
  • Help Access funds from your accounts to help hold you over

The Bottom Line:

The third service that makes Identity Theft Protection worth it are the Recovery Services provided. From setting up a customer with a specialist to help throughout the recovery process, to contacting banks and lenders on your behalf, this service gives victims of identity theft additional support during a difficult time. However, in order for a company to act on your behalf, you may be required to sign a limited power of attorney, so make sure you take the time to read over any legal documents carefully and consult a lawyer if you have any questions about what you are signing.

The average identity theft victim spends 9 hours on recovering their identity. However, 29% of victims report spending a month or more repairing their name after a theft.



Identity theft insurance will not cover any monetary losses directly related to your identity being stolen (charges made using your information by the thief in question), but instead will help cover the costs associated to recovering or reclaiming your identify, including: legal fees, lost wages, travel expenses, and possibly even child/elder/spousal care.

In order to be protected by insurance, many companies require you to notify them of any potential identity theft claims within a certain number of days of suspected activity (typically 90 days, though some require you to report it sooner.). Most services offer up to $1 million in identity theft insurance. However, they may have benefit limits that cap the amount you’ll be covered for per incident or per policy period. For example, you may only be able to receive a maximum of $2,000 per week in lost wages, for up to five weeks (per policy period). The $1 million is the cap for the total amount paid out for each of the conditions covered.

We suggest looking for an insurance plan with no deductibles. If you select a company with a deductible, you might find yourself responsible for the first $100-500 to be spent out-of-pocket before your insurance coverage kicks in. Read the insurance policy carefully, as the fine print might limit the amount of work the insurance company will do to restore your identity and your credit. All of the Top 10 Identity Theft Protection Companies have a $0 deductible.

Instead of Insurance, many companies offer a Service Guarantee. This guarantee often outlines the services and support you are entitled to if you become a victim of identify theft, much the same way insurance does. Just like insurance, you will want to read over this guarantee before signing up. 

$1 Million Service Guarantee

You may see a lot of companies talking about a $1 Million Service Guarantee or Insurance Policy. The most important thing to know about this is that it will NOT cover monetary losses resulting from your identity being stolen. Meaning that the money the thief stole in your name is not covered. However, Insurance will help you cover expenses related to recovering your Identity, such as legal fees, lost wages, travel expenses and care services for dependents.

The Bottom Line:

Whether you select a Service Guarantee of an Insurance policy, both cover much of the same things. Just make sure you read the policy or guarantee carefully so you understand what you are covered for.

It’s important to remember that no one can prevent identity theft. Companies may not always be able to prevent your information from being stolen, which is why they offer service guarantees and insurance to help and protect you if you become a victim. 

Customer Service


In addition to the services offered by identity theft protection companies, we also review companies based on their customer service.

Most identity theft protection companies have limited hours of operation. While some companies do operate 24/7, this is an added perk though not a requirement. Many companies keep normal business hours because over the years they have found that, even if a fraud is noticed past business hours, there is little that can be done until the next business day to resolve it. Oftentimes, if you are the confirmed victim of identity theft, companies have specialists that will work with you outside of normal hours of operation to reclaim your identity.

Security standards for the company are also important. These companies help us keep our personal information private, and therefore should place a great deal of importance on the security of their website. Websites should be secured with encryption (HTTPS). Company servers should also be secured, not only from external hackers but anyone internally who is able to access the servers.

Company employees receive training on how to handle private information securely and workplaces have strict policies that make it difficult for internal theft of information, such as video surveillance of employees or advanced internal software which prevent employees from being able to access your personal information files. The internal security policies and practices are often difficult to determine, so we suggest asking about this before signing up with a company. Additionally, look for a company with a history in the industry and a reputation for great customer service.

We also like identity theft protection companies who have online resource centers for their customers (some are even open to the public). Here, you can find articles that help you expand your knowledge of identity theft, find forms that you may need if you become a victim, and guides and links that can help you answer your questions. However, with the number of resources available online for identity theft victims, this should not be a requirement. 

Most identity Theft Protection Companies are transparent about their policies, services & limitations.

Because of the sensitive nature of the information they protect, the best companies want to make sure their customers feel safe and are happy to answer questions (as long as it’s not about proprietary information).

The Bottom Line:

 Most Identity Theft Protection Companies keep regular business hours during the week, while some offer around the clock support. Just because the company is available 24/7 does not mean you will be getting the best services, so don’t let this be the main factor in selecting a company. Additionally, pay special attention to security measures taken by the company. Each company may have different practices and security measures in place, so don’t be shy about asking. 

Service Agreements


Make sure you take the time to read over the service agreement, privacy policies, or any other legal documents, agreements or guarantees before you sign up. We cannot stress this enough! Because of the private nature of information these companies will have access to, you want to ensure that you understand what the company can and cannot do with your information, as well as the services they can and cannot provide to you.

Find a service without a long-term contract if possible. Most identify theft protection companies do not have long-term contracts, and paying month-to-month is the most popular options for most consumers. However, many companies offer quarterly or annual subscriptions as well, and may even discount your monthly rate if you pay upfront for longer periods of time.

Cancelation should be easy. Most companies allow you to cancel your service at any time and many will reimburse you for the time do did not use, while others will keep whatever you’ve paid upfront. Again, make sure to read your service agreement carefully to determine cancelation terms.

The majority of companies offer a trial period for their services, usually lasting 14-30 days. Some companies offer one-time services like providing your credit report or scores, and do not offer refunds for products provided to you (unless you don’t receive said product, in which case the company will typically refund you).

Service Agreements:

  • Avoid long-term contracts. Month-to-month subscriptions are the most popular option among customers
  • Cancelation is easy, just call and cancel at anytime
    • Some companies will reimburse you for unused time
    • Some will just keep any payments you’ve made up front.
  • Most companies offer free trial periods

The Bottom Line:

Read all documentation carefully (agreements, guarantees and especially any legal documents) to understand what a company can and cannot do with the information you provided. Additionally, avoid long-term contracts. Most customers opt for a month-to-month subscription. Cancellation is easy, just call to cancel whenever. Make sure you understand the cancellation policy as some companies do not reimburse for time unused. Also, some companies offer trial periods, typically 14 days or more. 

We do our best to keep our information up to date, however we always suggest you double check with the companies before making any commitments to make sure you are getting the services you need and you understand the policies in place.



One of the biggest debates when it comes to Identity Theft Protection is whether or not it is worth purchasing. Opponents will argue that it is a waste of money because a lot of what companies do, you can do for yourself. While you can monitor your credit and bank accounts yourself and identity theft victims have plentiful access to recovery resources, many people find that in the long run it takes too much of their time and they end up not continuing the good habits they intended to practice. If you do not monitor your credit and accounts regularly and take precautionary steps, you are not protecting yourself. As a result, many people decide to outsource this responsibility to a company that will do it for them.

Companies offer different levels of service, with basic plans starting around $10-15 per month typically. Premium packages usually fall in the $25-30 range. These are the packages that offer the four services we suggest when looking for an identity theft protection company.

If you pay for longer periods of time upfront (typically a year), you will likely see a significant discount to your service. However watch out because cancelation policies may differ and a few companies may not reimburse for time paid upfront, so make sure you know what you’re options are before signing up. 

Some companies also offer packages that will protect your entire family. These packages are discounted compared to an individual subscription, so this may be the best option for consumers looking to cover multiple family members. If you're looking to protect your child, the cost may be discount if purchasing coverage for an adult in tandem.

The Bottom Line:

For $1 a day, it’s not surprising that so many people are interested in outsourcing identity theft monitoring to a company that specializes in this. Monitoring yourself can be time consuming and costly, and many people loose interest over time.  If you pay upfront for longer periods of time, you will likely get a discount, but make sure you understand the cancelation policy, so you are not caught unaware. Some companies also offer packages for families.

To make sure you get the best possible deal, we suggest checking rates on the company’s website as well as calling them directly. Sometimes offers on the phone are different than the offers online.



Reading reviews from customers of Identity Theft companies is a great way to learn more about the company and the customer experience. Here are a few thoughts to keep in mind when reading reviews.

  1. Statistical Significance: Take a look at the number of reviews that make up the overall company rating. Reviews with a large number of contributors will give you a better understanding of customer experience. The fewer people that have reviewed the company, the more their personal experiences weigh in the overall score. 

  2. Word Sentiment: Even though many times reviews have a score, it's also important to scan the reviews for word sentiment. Scoring methods can vary depending on the person writing the review, so getting an idea of what people are saying may give you a better sense of how satisfied past and current customers are with the companies you are researching.

  3. Customer Care: On a number of review sites, companies have the opportunity to respond to customer reviews. Given the opportunity, does company respond to feedback individually? Do the companies you are researching seem to make a good faith effort to resolve complaints in a polite or courteous way? Whether the review is positive or negative, oftentimes the companies who respond individually to reviews are customer care focused. If the company cannot respond directly, do reviewers talk about how responsive the company was to their needs?

  4. Learn from other people’s mistakes: Take a moment to look over the negative reviews and think about how that customer's bad experience could have been avoided. For instance, if the complaint is about how the customer didn't understand the service limitations of their purchase, this gives you the opportunity to research this with the company before making a decision. However, if the fault clearly falls on the company, and little was done to resolve the valid complaint time and time again, you may be better off signing up with another company.

What's important to know about Identity Theft Protection?

Why should I get identity theft protection if I can monitor my own credit?

When identity theft protection first entered the market, their services were often limited to monitoring credit. Over the years as identity theft became a more prominent threat, companies have expanded their service to address the rising concerns of consumer.

Now, identity theft companies monitor the internet and public databases for your personal information and may even keep an eye on your financial account activity, in addition to monitoring your credit report. If you are the victim of identity theft, these companies also will put you in touch with a professional to help guide you through the recovery process and provides insurance to help pay for the cost of recovering or repairing your identity.

Will identity theft insurance cover the costs stolen in my name?

No, identity theft insurance will not help cover your losses from identity theft. However, it will help you cover the costs of repairing your good name. For instance, if your wallet is stolen and you have to take time off work in order to replace important documents or identification, your insurance policy may pay for the time you lost in wages and the replacement fees for your identification.

It is important to remember, most insurance policies require you report your identity theft to the company within 90 days of suspected fraud, if you notice something they didn't.

What is my credit score and why is it important?

Your credit score is a way for lenders to quantify the information on your credit report. There are different models of credit scoring, the most familiar is the FICO score. Even though there are different formulas for calculating your credit score, chances are, the results of one scoring model will be close to the results of the others.

When you apply for a loan or a credit card, lenders will look at your credit score to determine your creditworthiness. If you have a high credit score, this suggests to lenders that you’ve been responsible about repaying debts on time and are likely to repay them as well. If your score is too low, lenders may increase your interest rate or deny you credit all together.

How can having my identity stolen impact my credit?

If a thief is able to open lines of credit in your name, they can destroy your reputation and years worth of responsible financial decisions in a matter of days. Opening new lines of credit will impact your credit report and score a little bit, however late payments are the biggest contributing factors to a low credit score. So even if a thief opens accounts in your name, racks up the bills and moves on to the next victim, the first time you miss payments on those accounts your score and credit history will be impacted, even if you didn’t know the bills existed. Over time, those late payment dings can add up, or perhaps more accurately, subtract from your credit score.

If I request a copy of my own credit report, will my credit score change?

No, when you request your own credit score, a “soft inquiry” will be put on your report, however this will not impact your credit score. The same is true if you have a company monitor your credit on your behalf (though it is ALWAYS a good idea to double check).

Best Overall
Our Partner
9.8 / 10
  • Editor's #1 choice, fantastic customer satisfaction
  • Quarterly credit score* updates
  • $1M identity theft insurance
  • BBB accredited, A+ rating
  • 30-day free trial