Best identity theft protection of 2022 (2023)

The best identity theft protection makes it simple and easy to protect your privacy online.

Using one of the best identity theft protection services to support you in data privacy and staying safe online has never been more important. ID theft protection software use can:

✔ Save you money long term, by protecting you from having your online banking details stolen

✔ Keep your credit rating realistic to you. If your online payment details are stolen and your spending history is manipulated, this may lead to a poor credit score which can potentially lead to housing and employment obstacles, or paying higher interest rates on loans

✔ Protect your online reputation and stop fraudsters accessing sensitive information

With large-scale data breaches continuing to plague businesses around the globe, it's no wonder many folks are worried about identity theft, but the best identity theft protection tools can help.

Many of the best identity theft protection services highlight potential scams whereby a criminal may have obtained your details on the dark web (or elsewhere online), and used that information to engage in some kind of fraudulent activity (whether that’s making a payment, or taking out a loan).

A data breach occurs when a firm accidentally exposes data or a company's systems are hacked or compromised, and the personal details of some (or many) customers are stolen – such an occurrence can lead to your details being leaked online through absolutely no fault of your own. Those details can then be used to steal your identity in some manner for fraudulent purposes.

Note that this kind of protection isn’t something you can get with any other security tools, such as antivirus or VPN apps. Also, keep in mind that we've listed the best options for businesses, while for private users, we've curated the best identity theft protection for families (opens in new tab), as well.

Of course, having established the usefulness of the best identity theft protection services, which should you go for? We’ve highlighted the best of the bunch below.

The best identity theft protection of 2022 in full:

To speak to an expert about how identity theft protection software can keep you secure online, call IdentityForce directly on this toll-free number 888-266-3930.

IdentityForce is a Massachusetts-based corporation which provides identity theft services for individuals, businesses and government agencies.

IdentityForce's Identity Theft Protection starts with access to credit reports from the top three agencies: Equifax, Experian and TransUnion. Web access, iOS and Android apps enable checking your details at any time.

A comprehensive monitoring network offers near real-time alerts for issues including searches on your credit report, changes of address, accounts being opened in your name, fraudulent use of your social security number, your details appearing in court records or on the sex offender register, and your data being sold on the dark web. If a problem is found you'll be speedily alerted via SMS and email.

Bonus features include a PC-based anti-phishing and anti-keylogger software which keeps malware at bay and prevent hackers stealing your data, and a Social Media Identity Monitoring suitewhich scans your Facebook, Twitter, YouTube, Instagram and Google+ streams for malicious links, hacked and imposter accounts, and more.

Pricing for the service starts at around $10 a month for the identity protection service, which offers round the clock monitoring of your personal information, and alerts you if it's compromised. There's also identity protection with credit monitoring, scores, and reports, for under $20 per month.

Read our full IdentityForce review (opens in new tab).

Aura is an excellent entry level choice when you're looking to secure your business against identity theft thanks to its user friendly interface, antivirus service and detailed—but not overwhelming—reporting dashboard.

Pricing starts from $9 per month for individuals when you choose an annual subscription and scales all the way up to $25 a month for more security features, insurance and members. All the plans have the following features: credit monitoring, criminal and court recordings monitoring, identity verification monitoring, bank account monitoring, financial transactionmonitoring and several more.

With a helpful Transaction Monitor feature you can securely check multiple accounts from one view including mortgages, credit cards, checking or saving accounts and 401Ks.

By their own admission, the Aura team has remediated identity theft incidents for 150,000 customers to date. Even more reassuring is the fact that Aura offers 24/7 support across every tier of its subscription pricing plan via a web-based support center, email and direct support line.

Read our full Aura review (opens in new tab).

Norton LifeLock provides in-depth monitoring of credit and loan applications, court and criminal records, USPS change of address requests and any data exposed on more than 10,000 websites, looking out for any signs of others using your details.

If a potential issue crops up, smartly designed mobile apps give you alerts of what's going on. Should someone apply for an auto loan in your name, for instance, you don't just get to hear about it a few days later when your credit report updates: instead, the app sends you an immediate notification asking if this application was yours. Say no and Norton LifeLock's support team leaps into action to investigate.

If a thief manages to bypass your defenses anyway, Norton LifeLock's ID recovery specialists will help you get your life back. Unlike some services, that doesn't mean they'll advise you on who to call – they'll do the heavy lifting for you, making those calls, filling in forms and more.

Unsurprisingly, all this power doesn't come cheap. Norton LifeLock's high-end Ultimate Plus account costs $34.99 a month. That said, it is a very comprehensive service, and there is currently an offer in your first year of subscription, meaning that during this time you will only pay $23.99 monthly.

It's hard to beat Norton LifeLock's features and functionality, though, and the service does offer good deals in some areas. If you'd rather not buy into the comprehensive package, the starter Norton LifeLock Standard plan gives you social security number and credit alerts for $8.99 a month for the first year (renews at $11.99 a month).

Read our full Norton LifeLock (opens in new tab) review.

One of the biggest names in consumer credit reporting, Experian now maintains information on more than a billion businesses and individuals worldwide.

The company's IdentityWorks is a capable service, offering access to its credit report and score, raising alerts when there are any significant changes, and keeping a careful eye on the dark web for any signs of the user's personal data.

You don't have to be a financial geek to understand what's on offer, as Experian has gone to unusual lengths to make everything accessible and clear. While just about everyone claims they can show your credit report, for instance, the Experian site offers a sample report to illustrate exactly what you'll get.

If you do sign up, you'll discover a straightforward web console that presents your details in as simple a way as possible, although experts can drill down to payment histories and other details in a few clicks.

IdentityWorksPremium offers a far more comprehensive service, adding financial account activity, identity validation alerts, court records, as well as social and file-sharing network monitoring, all for around $25 a month. This plan covers you for up to $1 million in terms of identity theft insurance, whereas the Plus subscription is good for up to $500,000.There is also a 30 day free trial on all plans.

Read our full Experian IdentityWorks (opens in new tab) review.

ADT is more famous for its monitored alarms systems (opens in new tab), as part of its home security services, but the company has branched into identity theft protection for families as well.

ADT Identity Protection (opens in new tab) offers a pretty comprehensive service that covers all of the important basics while coming in at a reasonable price.

Features include standard credit checks on charge cards as well as bank accounts and SSNs, as well as credit score monitoring with annual reports. There are also identity checks on drivers licenses and passports, as well as phone numbers, medical insurance, addresses, court records, and even email addresses.

Another feature is the provision of up to $1 million identity theft expense reimbursement, to cover any costs in reclaiming your identity in the event that it might be compromised.

ADT also offers 24/7 fraud incident resolution, with a dedicated team who will walk you through all the steps required to recover from any incident, and guide you on claiming reimbursement for losses.

All this costs from just $9.99 per month, and even better is that there is no minimum contract term to keep you locked in. Additionally, although ADT made its name in home security (opens in new tab), ADT Identity Protection runs separately so don't expect to feel pressured to sign up for that service.

Read our full ADT (opens in new tab) review.

As the name would suggest, Zander Identity Theft Protection, is from the insurance provider Zander, which lends some credibility to the product. Unfortunately, this does not carry through, as while the expected functions are provided, there is a missed opportunity to do something innovative, rather than an also-ran.

From the website, it even seems that the Zander Identity Theft Protection product may be there more to support the insurance products, even though it would seem it should be vice versa.

If asked what the distinguishing feature for this Zander product is, it clearly is the price. It’s really hard to argue about the affordability, as it starts at a rock bottom $6.75 a month for the individual plan, and $12.90 a month for the family plan for the Essential Plan.

It includes plenty of useful identity theft protection features, such as the lost wallet service, the Home Title Fraud service, Dark Web Monitoring for personal information, and true to its insurance roots, $1,000,000 for Stolen Funds & Expenses. The family plan upgrades this protection to two adults, with children covered for free.

Read our full Zander Identity Theft Protection review (opens in new tab).

Complete ID is an identity protection service offered through Costco, offering a surprisingly comprehensive set of features - but even better, it comes in a very price-competitive package.

Complete ID works with three main protection features: credit monitoring, identity protection, and identity restoration. You get a range of monitoring services to ensure your identity has not been compromised, such as thorough dark web surveillance, SSN monitoring, as well as standard criminal record and credit score monitoring.

However, pricing is much more competitive than rivals offering a similar service, with Complete ID costing from just $8.99 per month for Costco Executive members, and $13.99 per month per person if you happen to be a Business or Gold Star member.

On top of this, Complete ID also offers a bolt-on service of identity protection for your children, costing from $2.99 for up to five children for Executive members (it's $3.99 for other members). This ensures that details involving your children aren't used and abused by criminals, and adds a welcome extra level of security for families.

Overall, Complete ID delivers a very similar service to IdentityForce above, but at a discounted price. While there are some small trade-offs in terms of the user interface, the discounted rate makes Complete ID well worth considering.

Read our full Complete ID review (opens in new tab).

IDNotify has more than a passing resemblance to Experian’s IdentityWorks, and that is not just mere coincidence. Rather, Experian is behind both products, making these the equivalent of fraternal twins.

IDNotify offers a range of plans, which starts with the quite affordable Essential Plan, which at a cost of $9.99 monthly provides basic identity theft coverage. While it offers basics, such as a lost wallet service, identity restoration and social network monitoring, it lacks some features that you need to jump up to a higher plan to get.

For example, move up to the Select Plan, which for $17.99 monthly is a better rounded package, and provides an Annual Credit Report from Experian, Identity Theft Insurance, and a Social Security Number Trace. Move up to the highest tiered plan, Premier, and for $25.99 a month enjoy all the features of the lower plan, along with Payday Loan Monitoring, an Annual Credit Report from all three major credit unions, and Credit Limit, Utilization and Balance Alerts.

Overall none of the above paid plans offers an exceptional value. While it previously was included with a TurboTax subscription making it a great deal, this no longer appears to be the case.

Read our full IDNotify review (opens in new tab).

Eversafe (opens in new tab) makes the statement that they are “The first step to a good night’s sleep,” providing protection against a variety of threats that includes scams, identity theft and fraudulent activity, that focuses on seniors and families. This service monitors a comprehensive list of accounts that encompasses credit data, credit cards, and other investments, with alerts provided that are even designed for ease of use for seniors.

Eversafe takes the approach of building a profile for the subscriber, taking into account the historical financial behavior. Eversafe then looks for financial anomalies, such as missed bill payments, large withdrawals, and other spending pattern changes.

When such an event is detected alerts are sent via text, phone and email. A senior friendly feature is that this alert can also be sent to a “Trusted advocate,” to help with the monitoring. Finally, Eversafe provides tools that help with a recovery plan, including help that is “Just a phone call away.”

Plans start with the Essentials plan that costs under $7 monthly. Sweetening the deal is the offer of a free trial, and a 20% senior discount.

Credit Squad tries to distinguish itself among the sea of credit monitoring services. While many of these services have a similar feature set, Credit Squad kicks it up a notch. An example of this is that while a lot of credit services look at two years of credit history, this service examines the full seven years that go into a credit score.

Another, is that while not all credit monitoring services have their members call them, or if they do, the calls are sent overseas, Credit Squad indicates that they have US based professionals to handle the calls, and they are available the full 7 days a week to offer their guidance.

There is an offer of three plans from CreditSquad. The bottom tier is the Standard Plan, at $14.99 a month- a little higher than some other plans. This basic monitoring includes an annual credit report from a single credit bureau, real time inquiry notifications, and tracking of your credit score.

At the top end is the Elite Plan, for $29.99 monthly upgrades to credit monitoring from all three credit bureaus with additional features such as $1 million of ID Theft Insurance.

Read our full Credit Squad review (opens in new tab).

From the makers of the FICO Score (the number that indicates a person’s creditworthiness) comes the MyFico credit monitoring service. We appreciate the intuitive interface of its website, and also that the companion smartphone app is equally well done, rather than just an afterthought. MyFico is able to display relevant info in an easy to follow fashion, such as with color coded FICO scores, and pop up alerts that warn its users about a potential danger.

While not the most budget priced, MyFico (opens in new tab) does offer a range of tiered credit monitoring plans. At the lowest level is the Basic plan, which at a cost of $19.95 monthly offers coverage of one of the credit bureaus (Experian), 24/7 identity restoration, and $1 million identity theft insurance, but does not include the identity monitoring.

Adding back the identity monitoring, requires upgrading to a higher plan, such as the Advanced tier for $29.95 a month, which upgrades to all three credit bureaus covered, but only updates every three months, or the Premier level, for $39.95 monthly that then includes all three credit bureaus with monthly updates.

Read our full MyFico review (opens in new tab).

How we choose the Best ID Theft Protection providers

We’ve deliberately chosen programs from big hitters in the security world as well as lesser-known gems that are worth your while. There are also free and paid-for programs to choose from.So which identity theft protection service is worth it? Well, we chose the eleven ID theft protection services listed on this review because they cover a broad spectrum of use cases, including credit monitoring and scouring the dark web.

If you were in any doubt, we can easily say that identity theft protection is definitely worth it. Digital ID protection is huge online problem, with recent research reported on by TechRadar from NordVPNdata revealing that 33% of Americans encountered at least one cybersecurity issue in 2021.

Whether it’s by using phishing emails or social engineering tricks, fraudsters are constantly looking for ways to steal identities for their own monetary gain.Fortunately, the best identity theft protection services can help prevent this.

How we test Identity Theft Protection providers

Our tests of the bestidentity theft protectionapps will evaluate the features, pricing options, competition, and also the overall value of using each app.

These are not full hands-on reviews, since evaluating identity theft protection apps is almost impossible, requiring months of testing, purposefully hacking accounts to see if the protection app works, handing over personally identifiable information, performing multiple credit checks, and risking exposure of the reviewer’s personally identifiable information.

Read how we test, rate, and review products on TechRadar (opens in new tab).

Identity theft protection: Frequently Asked Questions

When it comes to explaining why identity theft protection is so important, not only have we listed the best identity theft protection services but we've also answered some of the most frequently asked questions on the topic. Read on to find out how identity theft protection works, why you should get ID theft protection, and the value investing in it today can return in the long run.