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 ratingRatingCredit alerts and online credit reportsPublic record reportsFraud alertOnline dashboardChat room scansIdentity theft insuranceSecurity softwareComments
Identity Guard "Total Protection"
$17/month or $170/year
GoodYesYesNoYesYesYesYes1 Full service handles both monitoring and freezes, but interface invites signing up for things you already have.
Debix Identity Protection Network
$99/year2
FairNoNoYesYesNoYesNoService offers real-time identity verification via phone, though not all creditors take advantage of this.
Suze Orman's Identity Theft Kit
$40 kit
FairNoNoYes3 YesYesYesYes4 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
FairNoNoYesYesNoYesNoThis is the only service to manage both credit freezes and fraud alerts. Performed as advertised in our tests.
LifeLock
$10/month or $110/year
PoorNoNoYesNoYesYesNoThe 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"
$15/month
PoorYesYesNoYesNoYesNoService is marred by obnoxious marketing tactics; in our test it failed to issue alerts in two instances.
1 Free download of ZoneAlarm Security Suite included. 2 Also sold by LoudSiren for $9 a month.3 Via partnership with TrustedID.4 Installs antivirus and antispyware software.
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