Identity theft has been growing at an alarming rate. The FTC received 1.1 million identity theft reports in 2023 alone, and according to reports, someone becomes a victim of identity theft every 4.9 seconds in the U.S. This not only calls for personal vigilance and financial hygiene but also makes identity theft protection tools an absolute necessity.
IdentityForce is one such tool. A TransUnion offering, it comes with features like instant breach alerts, dark web monitoring, credit monitoring, and remediation services. In this article, we dissect each of IdentityForce's features while also comparing it with other tools on the market. Read on to find out if IdentityForce is the right tool for your needs.
IdentityForce: Plans and pricing
IdentityForce offers two plans: UltraSecure and UltraSecure Plus Credit, for both individuals and families. The base UltraSecure plan costs $19.90 for individuals and $24.90 for families, covering two adults and unlimited children. You get features like dark web monitoring, advanced fraud monitoring, and credit card and bank activity alerts, along with $1 million in identity theft insurance.
However, one of IdentityForce's biggest drawbacks is that this base plan doesn't include any credit monitoring features, for which you'll have to upgrade to its UltraSecure Plus Credit plan, starting at $34.90/month for individuals and $39.90/month for families.
Along with everything in the base plan, this plan provides three-bureau credit monitoring and alerts, as well as daily TransUnion credit reports and scores. The identity theft insurance also increases to $2 million under this plan.
As evident, IdentityForce isn't the cheapest option out there. In comparison, LifeLock by Norton starts at just $10.42 per month, offering features like dark web monitoring, social media monitoring, and automatic data broker removal. Similarly, Aura's individual plans start at $12 per month, providing financial transaction alerts and identity theft protection.
While the plans across these providers may not be directly comparable, if you're on a tight budget, there are definitely cheaper options than IdentityForce available on the market.
IdentityForce: Features
IdentityForce offers all the features you'd expect from an identity theft protection and detection platform. For starters, its advanced fraud monitoring sends you real-time alerts whenever financial institutions open a new line of credit or account in your name. This helps you track unauthorized use of your identity information early.
Similarly, the platform also monitors thousands of websites on the dark web and black market for instances of identity theft or data breaches. Additionally, there's an active social media identity monitoring feature, which keeps an eye on your Facebook, Instagram, X, and YouTube accounts for any unauthorized or suspicious posts.
There’s also a smart SSN tracker, which flags any unfamiliar names or addresses associated with a Social Security number. Additionally, there is a proactive investment account alert, which notifies you of any possible fraudulent withdrawals, deposits, or transfers related to your financial accounts or 401(k).
However, IdentityForce's credit monitoring is one of its strongest features, although it's only available on its most expensive plan. You can get a quarterly credit report summary from all three credit bureaus: TransUnion, Experian, and Equifax, along with a daily credit score from TransUnion.
This summary consolidates all of your financial information, such as total accounts, open accounts, and total balances, into one quick snapshot view. You can also view each report in detail and even dispute incorrect data directly from your IdentityForce dashboard. There’s also a pretty handy credit score tracker where you can view your credit score history.
A rather unique feature of IdentityForce is its personalized Identity Safety Score, which indicates how susceptible you are to identity theft based on your past data breach history and top risks. This feature is best used with IdentityForce's customized action plan, which suggests steps you can take to strengthen your identity protection. For instance, the action plan might suggest setting up two-factor authentication or changing your credit card PINs.
Much like peers such as LifeLock, IdentityForce also offers a dedicated restoration specialist on all of its paid plans. If you believe you have become a victim of identity theft, you can reach out to your dedicated resolution specialist through your IdentityForce dashboard, who will then open and investigate your case. What I like most about IdentityForce's resolution specialist feature is that they won't close the case until you agree that a full and final resolution has been reached.
Even after the case is mutually closed, IdentityForce will reopen and re-investigate it in the event of any future incidents. This kind of transparency shows the provider’s commitment to accountability and thoroughness by offering you complete control over the resolution process.
Besides this, IdentityForce also includes a few ancillary security tools in its subscription plans, making them more comprehensive. For instance, there's a virtual private network (VPN) for mobile devices (but it only works with mobile and tablets), PC protection tools such as anti-phishing and anti-keylogging functions, and a handy password manager.
IdentityForce: Interface and in-use experience
The centerpiece of IdentityForce's offering is its intuitive dashboard, which ensures that all vital information, such as alerts, credit scores, transactions, and identity vaults, is visible as soon as you log in. If you don’t see a feature or information, simply click on the three-bar hamburger icon and everything will pop up right away.
IdentityForce's mobile apps are equally good, with each piece of information stacked into small rectangles. You can tap on these rectangles to expand information such as alerts or credit scores. That said, both the desktop and mobile versions feel a bit stuck in the past compared to modern UI platforms like Aura. However, IdentityForce is definitely easy to use and beginner-friendly.
IdentityForce: The competition
As we already highlighted, the biggest thing that holds IdentityForce back is the lack of credit monitoring on its basic UltraSecure plan, which is already quite expensive compared to peers like LifeLock or Aura.
If you choose IdentityForce and also require credit monitoring, you'll have to pay at least $34.90 per month. However, with Aura, you only need to pay $12 per month for the same three-bureau credit monitoring. With LifeLock, you pay only $10.42 per month for one-bureau credit monitoring.
The identity theft protection insurance is also higher with LifeLock and Aura. While the coverage goes up to $3 million with LifeLock, Aura offers $5 million in protection on its family plan.
That said, IdentityForce is owned by TransUnion, one of the three major credit bureaus in the country. This means you get access to bureau-level data instead of relying on third-party aggregators. This likely contributes to why IdentityForce's ID monitoring, credit scores, and action plans are among the best in the industry, which also explains its premium price.
IdentityForce: Final verdict
To put it in a nutshell, IdentityForce's basic plan may not meet your requirements since it does not include credit monitoring services. You'll need to get its UltraSecure Plus Credit plan, starting at $34.90 per month.
While it includes all key identity theft protection features such as dark web monitoring, advanced fraud monitoring, real-time detections, a sleek dashboard, personalized action plans, and an Identity Safety Score, its pricing is on the higher side. There are cheaper options, such as LifeLock or Aura, starting at $10.42 per month and $12 per month, respectively.
That said, IdentityForce is one of the few identity theft protection platforms offered by a credit bureau itself – TransUnion. This means you get direct access to credit reports, scores, and financial information without relying on third-party aggregators, making IdentityForce one of the best credit monitoring tools on the market.
So, if you are someone who juggles a lot of financial accounts, investments, and credit and needs a reliable credit monitoring and identity theft protection tool, IdentityForce is a strong option. However, if credit monitoring isn't your main concern and you are on a tighter budget, you might consider other options such as Aura or LifeLock.
We've also highlighted the best identity theft protection services.
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