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Top 10 Best Identity Theft Protection Services & Companies (2022)

Scott Hirsch

Identity theft is the leading form of fraud in the US, with the Federal Trade Commission reporting more than 650,000 cases per year. The number one form of identity theft is credit card fraud, meaning consumers should be extra vigilant when shopping online. This is all the more important with more and more of our transactions moving online as we make more of our purchases from home than ever. This is a trend that is expected to continue deep into 2022. 

Luckily, ID theft protection services provide an affordable way to monitor online activity performed in your name, thereby catching ID theft before it can seriously affect you. 

Here’s a look at our Top 10 best ID theft protection services and companies of 2022:

Compare the Best ID Theft Protection Services
Identity Guard
Zander Identity Theft
Reviews38 reviews123 reviews100 reviewsWrite Review25 reviews42 reviews30 reviews42 reviews30 reviews11 reviews
Best for
Full suite of ID theft, financial fraud, and device protection tools
Full-spectrum protection
Norton antivirus users
Identity restoration and assistance
Anyone who has or wants Norton antivirus
People seeking to recover their identity
Whole-family protection
Those looking to protect their credit
Internet banking
ID theft and PC maintenance
Starting price
$9/monthly or $84/year
$7.20/monthly or $79.99/year
per month
per month
per month
per month
per month
Free trial
60-day money-back guarantee
60-day money-back guarantee
30 days
60-day money-back guarantee
30-day free trial
Free 1-time diagnostic
3-bureau credit monitoring
Family package
Insurance coverage
$1 million
$1 million
$1 million
$1 million
$1 million
$1 million
$1 million
$1 million
$1 million
$1 million
Mobile app
iOS, Android

In-Depth Reviews of Our Top ID Theft Protection Picks

  • 1
    • Best forFull suite of ID theft, financial fraud, and device protection tools
    • Starting price$9/monthly or $84/year
    • Free trial60-day money-back guarantee

    Aura offers an all-in-one digital security selection combining financial, identity, and device protection. It provides extensive monitoring of your information, including credit monitoring, financial transactions monitoring, dark web monitoring, and SSN and ID authentication monitoring. You get an instant alert any time there is a threat.

    Aside from alerts and notifications, Aura also offers recovery services via its 24/7 U.S.-based support team. Subscribers to the Ultimate plan receive immediate white-glove fraud resolution from a dedicated Aura agent any time a breach occurs. All plans include $1 million coverage against identity fraud.

    • Full suite of tools to protect your identity and finances
    • 60-day money-back guarantee for annual plan
    • 24/7 U.S.-based customer support
    • Fixed plans, no mixing, and matching
  • 2
    Identity Guard

    Identity Guard

    • Best forFull-spectrum protection
    • Starting price$7.20/monthly or $79.99/yearper month
    • Free trialYes

    Identity Guard’s marquee feature is the IBM Watson technology. This cutting-edge AI tool constantly scans billions of data points across the internet to pinpoint unusual activity, resulting in intelligent, 24/7 protection for families and individuals.  

    Watson may be Identity Guard’s most impressive feature, but it’s far from the only one. The company offers 3 solid packages that all include Dark Web monitoring, risk management reports, and anti-phishing apps, as well as some unique tools with the more extensive plans. The advanced package, for example, includes 3-bureau credit reports and a social insight report. Family plans notably include cyberbullying alerts for social media. 

    • Monitors credit score with all 3 credit bureaus
    • Utilizes IBM’s Watson AI tech for optimal performance
    • $2,000 emergency cash fund
    • No 24/7 customer service
    • 3-credit reporting only with premier plans
  • 3


    • Best forNorton antivirus users
    • Starting price$9.99per month
    • Free trial60-day money-back guarantee

    A product of anti-virus heavyweight Norton, LifeLock boasts the tech, accessibility, and ease that you’d expect from the industry-leading company. Most impressive are the plans themselves, which not only blend online security and ID theft protection but offer more flexibility than usual. 

    Lifelock’s plans include ID and Social Security number alerts and are offered in tandem with Norton’s 360 suite. This means that combo plans net you VPN services plus solid ID theft features like stolen funds reimbursement that ranges from $25,000 to $1 million dollars, bank account and credit card activity alerts, and even 401(k) investment account alerts on the Ultimate Plus plan. 

    LifeLock also offers LifeLock Junior, an affordable add-on for children under 18 that includes 

    Dark Web monitoring and file-sharing network searches. All plans include 24/7 live member support and the aide of US-based identity restoration specialists.

    • Reimbursement up to $1 million
    • Antivirus and protection from cyber threats
    • 60-day money-back guarantee
    • Only worth it if you want Norton 360
    • Pricing can be confusing
  • 4


    very good
    • Best forIdentity restoration and assistance
    • Starting price$14.95/month
    • Free trial30 days

    IDShield offers four identity theft protection plans: an individual plan with 1-bureau or 3-bureau credit monitoring, or a family plan for you, your spouse/partner and up to 10 dependents with 1-bureau or 3-bureau credit monitoring. All plans automatically include a range of monitoring services such as dark web monitoring, bank account monitoring, and social media monitoring.

    While IDShield is a little more expensive than the average provider, this is justified by the fact that it offers unlimited restoration services and access to a team of in-house licensed private investigators. If you become the victim of identity theft, the investigators work to repair the damage and help you develop a plan to prevent future ID theft.

    • Choice of family or individual plan
    • Unlimited restoration services
    • In-house licensed private investigators
    • A little more expensive than competitors
    • Potential for alert and notification overload
  • 5
    • Best forAnyone who has or wants Norton antivirus
    • Starting price$9.99/month
    • Free trial60-day money-back guarantee

    Identity protection and restoration software, with continuous monitoring and alerts, 24/7 customer support, and online security. LifeLock is an identity theft protection product that delivers comprehensive identity monitoring, including credit, investment, and bank accounts, mobile and social media, public records, and more, depending on the plan you choose. The software can be installed on as many as five devices so that you will receive full protection across all of your systems. LifeLock also lets you add individual family members for an added monthly cost.

    If LifeLock finds anything suspicious during a scan, you’ll be notified immediately. In addition to real-time protection and up-to-date alerts, LifeLock’s real benefit is its coverage in case of identity theft. With up to $1 million in insurance, LifeLock offers a range of services to help recover your identity and undo any damage. Plus, with the software’s included Norton’s 360 suite, you’ll also be protected from cyberthreats.

    • Includes Norton antivirus software
    • Offers 3-bureau credit monitoring
    • User-friendly mobile app
    • No family plan available
    • Expensive compared to other services
  • 6
    Zander Identity Theft

    Zander Identity Theft

    very good
    • Best forPeople seeking to recover their identity
    • Starting price$6.75/month
    • Free trialNo

    The only identity theft protection service recommended by money-management expert Dave Ramsey, Zander Insurance, is a solid, affordable identity theft protection and restoration software option for those looking to stay secure on a budget. While the platform doesn't include credit monitoring, it does monitor personal information, such as Social Security, and offers among the most comprehensive array of identity recovery services on the market. Zander offers reimbursement of lost wages, financial losses, and expenses up to $1 million.

    Where Zander stands out is in the unfortunate event that your identity is stolen. You will be assigned a Recovery Advocate to guide you through the process of recovering your credit and identity. This representative will be available for up to three years to ensure that your identity is fully restored. Zander will notify all three major credit bureaus, medical institutions, creditors, and the IRS of the theft, and will monitor accounts for possible fraud so that you can get back to yourself quickly.

    • Unlimited family plan
    • One of the most affordable options
    • Comprehensive recovery services, including lost wage coverage
    • No credit monitoring
    • No free trial period
  • 7
    very good
    • Best forWhole-family protection
    • Starting price$19.95per month
    • Free trialNo

    MyFico offers a comprehensive view of your credit standing as well as a slew of alerts, tools, and services that will keep you one step ahead of bad actors. As the standard-bearer of credit scores used by the 3 major credit bureaus, it offers its own consumer-facing ID theft service with solid ID theft protection that combines frequent reporting and far-reaching monitoring. 

    MyFICO offers 3 packages with monthly or tri-monthly updates. All of them are backed by $1 million theft insurance and include 24/7 ID restoration, lost wallet protection, and 24/7 customer support. While the basic plan only offers reports from Experian, the 2 top-tier plans include coverage from all 3 bureaus as well as identity monitoring.

    • Monthly and tri-monthly reports
    • Receive alerts through SMS, email, or mobile app
    • 24/7 customer support
    • Basic plan only includes 1-bureau coverage
    • Minor limitations on some credit report data
  • 8

    very good
    • Best forThose looking to protect their credit
    • Starting priceN/A
    • Free trialYes is a cloud-hosted identity theft protection service that offers around the clock credit monitoring. Although no pricing information is available on their website, promises easy, low-cost credit monitoring to protect yourself against identity theft. Once you have finished signing up for the service, you can add any account that you want to be monitored, including social security, driver's license, credit, or medical. In the event that the service flags unusual activity on your account, you will receive an instant notification requesting your confirmation that this isn't theft.

    If your identity is stolen, offers $1 million identity theft insurance for any damages and will send out fraud alerts until you can secure your accounts. Although doesn't offer the same comprehensive guidance and identity restoration services as other providers, this is a good basic credit monitoring option that can save you time and ensure that you never miss an attempted breach on your accounts.

    • Ability to add numerous accounts to be monitored
    • Continuous monitoring
    • Instant alerts of suspicious activity
    • No pricing information available
    • No 24/7 customer support
  • 9


    very good
    • Best forInternet banking
    • Starting price$17.99per month
    • Free trial30-day free trial

    IdentityForce has 40 years of experience in ID theft and is celebrated for the scope and breadth of its services. This well-respected company was one of the first to offer ID theft for children and has likewise been innovative in more recent services such as social media identity monitoring and mobile implementation. 

    IdentityForce monitors court records, Dark Web activity, and sex offender monitoring and offers smart alerts in more than 5 major areas. The service notably includes medical ID fraud protection and online tools for personal computers. Add to that insurance of up to $1 million, dedicated mobile apps, and a 50-point promise to customers, and it’s clear why IdentityForce has endured for more than 4 decades and has become a destination for discerning individuals concerned about protecting their identity.

    • More than 40 years of experience
    • Medical ID fraud protection
    • 50-point member manifesto for customers
    • Need to contact CS for family plan info
    • Pricier than other services
  • 10


    • Best forID theft and PC maintenance
    • Starting price$19.99per month
    • Free trialFree 1-time diagnostic

    MyCleanID provides real-time protection with 3-bureau credit monitoring with up to a $1 million guarantee. The process is easy and within minutes of signing up you’ll receive access to your credit and FICO scores through a smart, clean dashboard that allows you to keep tabs on private info and alerts. 

    MyCleanID’s monitoring services offer comprehensive protection that extends beyond standard features to include telephone and driver’s license protection as well as PC protection via the service’s privacy management software. The last is a unique feature that performs a deep scan on your computer and allows you to erase usernames and passwords, and schedule regular cleanings. This combination of PC care and ID theft offers users the benefit of proaction and control that can prevent breaches and help each user sharpen their personal online habits.   

    MyCleanID only offers one plan, but it’s relatively extensive and includes 24/7 live support.

    • Up to $2,000 lost wallet protection
    • Unique PC protection software fosters proactive online safety
    • 24/7 US-based support
    • Need to pay 1-time activation fee
    • Only 1 plan available
Frequently Asked Questions
Which is better LifeLock or Identity Guard?
LifeLock and Identity Guard are both leading providers of ID theft services and may appeal to different people with different needs. Identity Guard currently has the better deal and compares favorably with the more expensive LifeLock, with 3-bureau credit monitoring and an AI-backed network.
Are identity theft protection services worth it?
Identity theft is a growing problem in the US and ID theft protection can be one of the best safeguards against it. Those who have been victims already are especially at risk, and those who do lots of banking or conduct other sensitive transactions online may benefit from added protection.
How many times has LifeLock been hacked?
LifeLock's CEO has allegedly been hacked more than a dozen times, including after a publicity stunt in which he publicly shared his social security number as a testament to the strength of his company's security prowess.

Is an ID Theft Protection Tool Worth the Investment?

If you’re looking for a firm layer of security to make you feel safer while online shopping, paying your bills online, sharing personal information on social media, and more, then yes—an ID protection service is definitely worth the investment. While some people may see these solutions as “nice-to-have” rather than “must-have,” they might be interested in learning that many of them offer free trial periods of up to 30 days, or discounts on your first annual subscription. 

How Do These Tools Work? 

The best ID theft protection services on the market utilize unique data and advanced technologies to monitor credit card transactions, the Dark Web, social media, and more. Their goal is to immediately detect when your information is stolen, offered for sale, or used fraudulently, in order to mitigate the damage of ID attacks as much as possible. Once you are alerted about an attack, these services will help restore your identity, reimburse you for stolen funds, and offer expert support around the clock. 

Here are some features and capabilities offered by the best ID protection services on the market today:

Monitor & Detect
Credit card transactions
Detect changes in your credit score
Identity restoration specialists
Dark Web
Be alerted when your information is stolen or offered for sale
Up to $1M reimbursement of stolen funds
Social media
Learn of social media activity using your name or photos
Coverage for lawyers and experts
Court recordings & bookings
Learn of crimes reported in your name
Lost wallet protection
The US Postal Service
Know if your mail has been redirected
24/7 member support
Find out about addresses associated with your Social Security number

Detect attempts to take over your account or loans taken in your name

Sex offenders
Learn if an offender moves into your neighborhood

Driver’s license
Learn if someone uses your driver’s license fraudulently

How Can Thieves Steal Your Identity?

The following are examples of some of the ways in which thieves can steal your personal information. Some of these methods are digital, others involve old-fashioned physical theft. All forms of theft put you at risk.

  • Hacking: This is a broad term that refers to any unauthorized login to a computer or network. It can include large data breaches, like the one discovered by Marriott in 2018 that compromised 500 million customers. It can also include direct hacking of your computer by someone with either physical or remote access to it. 
  • Phishing: This is a common ploy where scammers send an unsolicited email offering you something that requires you to supply personal info and login credentials. The scammers then use your information to break into your accounts and steal your identity, credit cards, or money.
  • Malware: Like phishing, this involves unsolicited messages with dubious links or attachments. If you click the link or open the attachment, malicious software gets installed on your computer and extracts your personal information.
  • Phone scams: One of the older tricks in the book, it involves scammers pretending to represent a financial or a government institution like the IRS or a bank in order to convince a person to give over their personal information.
  • Dumpster Diving: Criminals don’t always do things remotely; sometimes they might steal things from right under your nose. This ploy involves going through your trash for sensitive documents like bank statements.

What is Tax-Related ID Theft?

People who illegally obtain personal information such as a Social Security number can file fraudulent tax returns to the IRS. According to an IRS page dedicated to tax fraud, actions such as these can go undetected until an E-file attempt is made and rejected because of a previous (fraudulent) filing. The IRS may reach out if they’ve identified a suspicious return, though it’s best to stay on top of the problem. 

As a result of increasing tax-related ID theft, the IRS partnered with representatives from tax firms, payroll processors, and state tax administrators to address the problem. Efforts include awareness campaigns to keep civilians informed and up-to-date with best practices. Americans are advised to keep their Social Security cards in safe locations, use security software and strong passwords when submitting sensitive personal information online, and always securing their tax records.  

What is Medical ID Theft?

A less-common but no-less severe form of ID theft, medical ID theft occurs when your personal information is used to procure medical services or medication. Though information can be sold and acquired on the Dark Web to be used by complete strangers, other instances of medical theft have occurred with medical providers submitting excessive or even fabricated claims to insurance providers. For that reason, the standard practices of guarding your information and protecting your information online may not be enough, and experts also recommend checking your health insurance records once a year for possible discrepancies. 

How to Choose the Right Identity Theft Protection Service

Identity theft protection is a bit like car insurance: everyone could do with a basic form of coverage, but beyond that our needs vary. If you use online banking, store sensitive information on your computer or mobile, or have children that use the internet—all these things put you at elevated risk of identity theft. If you do everything offline, you may be at lower risk, although in this day and age nobody is ever truly at zero risk.

Before deciding who to go to for identity theft protection, first think about your needs. Then compare the different service providers for things like price, features, and level of customer service. While customer service is important in all industries, it’s particularly important in this one because you may one day need dedicated assistance to help protect or restore your information.

Finally, be cautious about giving out your personal information. Don’t click on suspicious links, don’t leave your bank statements in the trash, and educate your children about the risks of identity theft. By taking the right personal steps, you decrease the risks of having your information stolen. Antivirus and monitoring services should only be there to fill in the gaps.

Scott Hirsch
Scott currently writes full-time for and has worked as a writer, editor, and researcher for top tech companies, including Groupon. Over the last decade he has covered stories in emerging tech, consumer trends, medical and wellness technology, media, science, and culture.