IdentityIQ Review: Is IdentityIQ Worth It In 2024?

We at IdentityIQ have been around a while, and one of the most common questions we hear is: Is IdentityIQ worth it?

Spoiler alert: Yes, IdentityIQ is worth it for most people. But, you might think we’re a little bit biased, so we put together a list of all the reasons why IdentityIQ may be worth it for you.

This is real information and valuable benefits that prove exactly why IdentityIQ is worth it, and we feel confident you’ll agree with us by the end of this post.

Want to skip ahead? We made it easy:

• Identity Protection
• Change-of-Address Monitoring
• Application Monitoring
• Identity Theft Insurance
• VPN
• Anti-Virus and Device Security
• Parental Controls
• Credit Reports and Scores
• Real-Time Credit Monitoring
• Dark Web and Internet Monitoring
• Family Protection
• Utility Payment Reporting
• Customer Service
• Protect Every Part of Your Life

IdentityIQ: Smarter Services for Every Stage of Life

IdentityIQ credit monitoring services are a comprehensive approach to protecting your personal information and credit health. We have been in business since 2009 and helped protect more than 4 million members.

IdentityIQ has been best rated for identity theft protection by Money.com and credit monitoring by Forbes. Our proactive approach to identity protection sets us apart in the industry, especially our superior change-of-address monitoring, fast real-time alerts, and access to 12 credit reports per year.

We set ourselves apart from competitors with several standout features and superior 100% U.S.-based customer service. Here are just some of the features that make IdentityIQ the top choice for robust and proactive credit and identity protection.

Identity Protection: Up to $1 Million Identity Theft Insurance*

Your identity encompasses much more than just your credit report, and your credit monitoring should reflect that. Identity thieves can misuse your identity in ways you might not expect, including committing criminal acts in your name.

IdentityIQ actively monitors international most-wanted lists and national criminal record databases, searching for arrests or convictions linked to your name and date of birth —whereas many other services only search for convictions.

But IdentityIQ doesn’t stop there. We monitor the use of your Social Security Number (SSN) and alert you to possible suspicious activity. Unlike other services that only notify you if your SSN is used with incorrect personal details, we ensure you’re informed whenever your SSN is used.

Additionally, our enhanced change of address monitoring goes beyond standard credit reporting agency checks.

Change-of-Address Monitoring

One of the first things sophisticated criminals change is their victim’s address. This enables them to reroute mail to a designated address, so they can steal personal information, checks, and other material as well as intercept mail that contains information on new lines of credit opened in the victim’s name.

IdentityIQ also goes beyond with their change-of-address monitoring. Many competitors offer traditional credit monitoring that only sends an alert when a new address is confirmed by multiple sources and added to your credit report.

Along with traditional change-of-address monitoring, IdentityIQ also sends an alert when any unverified address is used with a member’s SSN and an alert when a change of address is requested through the U.S. Postal Service.

This multi-layered protection provides real-time alerts in all three ways so victims can act quickly in the case of identity theft.

Application Monitoring

Identity thieves can use stolen information to open new accounts, leaving you unaware until you check your credit report and discover accounts you never authorized. IdentityIQ actively searches for utility applications, payday loans, cell phone applications, and credit applications made in your name.

Even if a credit check isn’t performed, you receive alerts when an application is submitted using your information, allowing you to take swift action.

Identity Theft Insurance

You have insurance for your house, insurance for your car, and insurance for your medical care, but you also need insurance for identity theft.

There are numerous ways your identity can be stolen. Criminals can target your bank account information, SSN, and other personal details. With this data, they can pretend to be you to open credit cards, drain your bank accounts, take out fraudulent loans, receive medical care, and even use your name if they are arrested. IdentityIQ has you covered.

IdentityIQ offers a robust identity theft insurance policy that provides peace of mind. Our $1 million identity theft protection coverage, underwritten by AIG, helps ensure that you’re protected against financial losses due to identity theft.

This comprehensive insurance covers a wide range of expenses, including:

• lost wages,
• legal fees,
• expenses,
• and other costs incurred as a result of dealing with identity theft.

VPN

The inclusion of a Virtual Private Network (VPN) in IdentityIQ helps protect your identity online. The VPN provides an extra layer of security when browsing the internet, ensuring your personal information remains private and protected from hackers. This is especially beneficial for those who frequently use public Wi-Fi networks.

VPN helps safeguard your online identity and activities from hackers, ISPs, and snoops. This service ensures complete online anonymity by encrypting all incoming and outgoing traffic on your PC, Mac, or mobile devices.

With Bitdefender Total Security, you get unlimited encrypted traffic for up to 10 devices; comprehensive online protection and anonymity; secure online media streaming and downloads; no traffic logs; access to 1,300+ servers worldwide; and compatible with Windows, macOS, Android, and iOS devices.

Anti-Virus and Device Security

IdentityIQ takes device security seriously. Our service includes award-winning Bitdefender® Total Security tools to protect your devices from malware, spyware, and other threats.

By keeping your devices secure, IdentityIQ helps prevent unauthorized access to your personal information, safeguarding your identity from multiple angles.

Bitdefender outperforms other security software in both Best Protection and Lowest Impact on Performance, safeguarding your devices against malware without compromising speed. You get unmatched threat detection to block sophisticated malware and multi-layer ransomware protection to keep your files secure. You also get cutting-edge technologies to defend against zero-day attacks

Parental Controls

Through Bitdefender Total Security, parental controls help keep your kids safe online. Parental controls are crucial in today’s digital age as it helps safeguard their children from the myriad of online threats and inappropriate content.

With children spending increasing amounts of time on the internet, parental controls allow you to monitor and restrict access to harmful websites, manage screen time, and track online activities.

Parental controls also let you set boundaries on social media usage and block potential cyberbullying and online predators. By providing these protective measures, parental controls help create a safer online environment.

Credit Reports and Scores

One of the highlights of IdentityIQ services is the access to 12 credit reports and scores annually.

This frequent access allows you to stay on top of your credit health and quickly spot inaccuracies or signs of identity theft. It’s a significant advantage over services that only offer quarterly or one report a year.

Real-Time Credit Monitoring

IdentityIQ excels in real-time credit monitoring. Our advanced system alerts quickly to significant changes to your credit score or possible suspicious activity on your credit report, such as new accounts or hard inquiries. You also receive real-time alerts if your information is found on the dark web or criminal databases.

Because IdentityIQ has a relationship with all of the three major credit bureaus – Experian®, Equifax®, and TransUnion® — we provide you alerts faster than many competitors.

Many competitors only monitor for changes and possible suspicious activity from one major bureau, meaning if you become a victim of identity theft you might not realize it before it’s too late.

These real-time alerts are crucial for early detection of potential identity theft, providing a proactive approach to managing your credit.

Dark Web and Internet Monitoring

IdentityIQ dark web and internet monitoring services are incredibly thorough. We scour the dark web and other internet sources to detect if your personal information is being sold or traded by bad actors.

This early detection system allows you to take action before significant damage is done, adding an extra layer of security.

Family Protection

IdentityIQ understands that protecting your family is just as important as protecting yourself. Identity theft affects more than just adults – children are particularly susceptible to synthetic identity theft.

Unfortunately, child identity theft often goes undetected until the child reaches adulthood. IdentityIQ offers comprehensive protection for your entire family.

Available plans not only give you up to $1 million in identity theft insurance* for yourself, but also includes up to $25,000 in coverage* for your children up to age 24**.

The IdentityIQ family protection plans offer comprehensive monitoring and protection for your loved ones, so your household is safeguarded against identity theft and fraud.

Utility Payment Reporting

A unique feature of IdentityIQ is our utility payment reporting. This service reports your on-time utility payments to credit bureaus, helping to improve your credit score beyond the typical ways, like mortgage payments or loan installments.

It’s an exciting addition that can help improve your credit health over time, especially for those looking to build their credit.

Customer Service

We are proud to say that we have award-winning customer service, with 100% U.S.-based customer care.

Our fraud restoration team is made up of experts ready to help a victim of identity theft every step of the way as they recover their identity.

Along with identity theft concerns, customer service can help with account issues, billing and payment inquiries, credit monitoring alerts, general support, and more.

Protect Every Part of Your Life

IdentityIQ credit monitoring services offers best-in-class identity protection and comprehensive features that go beyond standard monitoring. Get started with IdentityIQ today for peace of mind and the most robust defense against identity theft and fraud.

Ready to get started? Click here to protect your identity and monitor your credit with IdentityIQ’s suite of services today.

*Underwritten by AIG

**Children under the age of 24 who permanently reside in the same household as the enrollee at the time of the identity theft incident are covered.