Identity-Theft Protection: What Services Can You Trust?
How Much Identity Protection Do You Get for Your Money?
None of the six sevices we tested qualifies as full-featured. Here's how they ranked, based on offerings and performance.
|Company/Service, in order of rating||Rating||Credit alerts and online credit reports||Public record reports||Fraud alert||Online dashboard||Chat room scans||Identity theft insurance||Security software||Comments|
|Identity Guard "Total Protection"|
$17/month or $170/year
|Good||Yes||Yes||No||Yes||Yes||Yes||Yes||Full service handles both monitoring and freezes, but interface invites signing up for things you already have.|
|Debix Identity Protection Network|
|Fair||No||No||Yes||Yes||No||Yes||No||Service offers real-time identity verification via phone, though not all creditors take advantage of this.|
|Suze Orman's Identity Theft Kit|
|Fair||No||No||Yes||Yes||Yes||Yes||Yes||Software-based kit uses TrustedId for alerts; claims to protect against theft of health insurance records, too.|
|TrustedID "Identity Freeze"|
$13/month or $110/year
|Fair||No||No||Yes||Yes||No||Yes||No||This is the only service to manage both credit freezes and fraud alerts. Performed as advertised in our tests.|
$10/month or $110/year
|Poor||No||No||Yes||No||Yes||Yes||No||The most limited of the services tested lacks online dashboard; fraud alert wasn't set until we followed up.|
|TrueCredit by TransUnion "3 in 1 Monitoring"|
|Poor||Yes||Yes||No||Yes||No||Yes||No||Service is marred by obnoxious marketing tactics; in our test it failed to issue alerts in two instances.|